Speaking of deadbeat FBcooch things to do, junge, help me out.
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Oculus Spirit [82506]
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Speaking of deadbeat FBcooch things to do, junge, help me out.
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May 23, 2024, 9:26 AM
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Back in March I signed up for an American Express card to get 70K Delta sky miles. In order to get those miles, I have to spend $3,000 in 6 months. I kind of wanted to get those miles sooner though, so I can fly to the Bahamas or somewhere cool for free later this summer.
However, Amex won't do balance transfers, cash advances, or checks, so I can't for example, make my house payment with it because my mortgage company won't accept a credit card. I actually have to buy stuff...but I don't think I'll buy $3K worth of stuff in 6 months.
What do jounge? Any ideas to get around this?
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Heisman Winner [121458]
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You aint flying nowhar for 70k ponts***
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May 23, 2024, 9:27 AM
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Oculus Spirit [82506]
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I'm not planning to fly to Europe.
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May 23, 2024, 9:28 AM
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I'd guess 70K miles will get me to Miami.
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Oculus Spirit [98794]
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So would buying a ticket for $200.***
May 23, 2024, 10:04 AM
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Oculus Spirit [82506]
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Yeah, maybe a little more.***
May 23, 2024, 10:06 AM
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Oculus Spirit [98794]
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Oculus Spirit [82506]
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I'm not leaving from Greenville
May 23, 2024, 10:13 AM
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I'm not sure of your point?
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Oculus Spirit [98794]
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My point is those miles are worth a small fraction of the $3K you'd spend
May 23, 2024, 10:33 AM
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And you can thank my father for no longer having nice things. He played the ultimate game back in the 80's, so well it can't be played the same way anymore.
3 weeks of every month his week would look like NYC on Monday, Chicago on Tuesday, Phoenix on Wed, Seattle on Thurs, Miami on Fri, then home. Do this for a year. For 10+ years actually.
Now......Be sure to expense ALL OF THIS, rule #1. Get an Amex card, buy all hotels, airfare, food, meals entertaining customers, strip clubs, etc. and rentals on Amex card. Amex points, CHECK. Only stay at a Hyatt or Marriott, points there, CHECK. Only use Hertz or Avis, points there, CHECK. Only fly Delta or Eastern, points there, CHECK.
So this allowed us, twice per year, to take a week-long vacation anywhere on earth, where Eastern, Delta, or an affiliated airline flew. We stayed at a Marriott, Hyatt, or affiliated hotel or resort. Rental cars were free. And if there was an issue, there were always AMEX points to spend if there wasn't a Marriott, or no airline flew there.
At one time dad had over 2 million miles on Eastern and over 1 million on Delta. We could have taken 30 of our friends on a week-long European vacation and only pay for food and misc stuff. And this is why I've been to England, France, Belgium, Germany, Italy, Greece, Spain, Gibraltar, Austria, Morocco, Switzerland, Mexico, Canada, Belize, Guatemala, St. Martin, St. Lucia, Barbados, Australia, and the Netherlands. And my dad, had been to every single US state plus this, and Michigan probably 100 times. And the best part was the Crown Room, and the Ionosphere Club in the airports. Free goldfish and drinks and pretzels while you wait on comfortable couches watching TV. Met Strom Thurmond once in the Crown Room in ATL waiting on a flight. I was like 10yo maybe.
Like I said, this stuff doesn't fly anymore, pun very much intended.
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Hall of Famer [22814]
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yes it does
May 23, 2024, 10:39 AM
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lol - what're you talking about? I haven't paid for a vacation since I started working......
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Hall of Famer [22814]
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check that
May 23, 2024, 10:41 AM
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one time. last year when my wife decided last minute to fly to HHI. Instead of using delta points, I paid for a southwest ticket. I now have a SW card and bought this year's on points.
also b/c southwest is an airline for the poors, so you can't use amex points.
I had over a million sky miles until our trip to St. Lucia. what sucks is living in Nash and not wanting a layover with a 2 yr old and a 1 yr old.
over a week in free days of car rentals through National.
3 free night certs w/ marriott + half a million points.
it still works like this haha, except now you can't "technically" take your customers to strip clubs.
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Oculus Spirit [98794]
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Most companies now don't fly people that much anymore.
May 23, 2024, 10:53 AM
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I know same company stopped flying salesmen around the country about the time dad left. Had a cousin who continued to work there, and he flew enough to earn some points, but nowhere on the level dad had.
And the points buy less than they used to, another thing that's changed. I remember going to Europe (party of 3) for like 30-40K points.
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Hall of Famer [22814]
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I completely agree with the points thing
May 23, 2024, 10:58 AM
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the final nail in that coffin was Marriott acquiring Starwood. Their points conversion ratio was so good. Now Marriott and Hilton basically have a duopoloy and they both suck. But once you're in, you're in.
I certainly travel way less than I did, and I'm very thankful of that. There's still people in my industry who travel every week. All of my buddies still in consulting are on the road M - R every week.
The burnout and losing of resources probably did it more than anything. Idk how guys do it, going on 20 - 25 years just straight on the road week in week out. It almost killed me, which is why I got out of it.
I had the "perfect storm" of quitting right before covid. then had 2 kids. so I have all these points saved up and not many opportunities to use them.
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Oculus Spirit [82506]
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Well, yeah.
May 23, 2024, 10:52 AM
[ in reply to My point is those miles are worth a small fraction of the $3K you'd spend ] |
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I don't need an Amex card, and had they not offered the sky miles, I wouldn't have signed up for it. When I signed up for it I figured I'd make a house payment with it, knock out the spend requirements ASAP and use the sky miles as a backup method to get to the Keys this year in case I didn't tow my boat down there. Well, I'm not going to the keys because work, and still have the card, so since I have the ability to earn the miles, I might as well get them and use them for something.
The point of the whole post that I should have better explained was how to get the mileage easier without changing everything in my life (all my existing auto-pays etc) to get the mileage. As for your dad doing that back in the day--he wasn't the only one. There were a lot of people who did exactly what he did. And he nor they didn't break it--its was just an unsustainable reward model made by the airlines and hotels.
I have a GM Card that I got literally about 20 years ago. I don't use it often now, but I did use the card points to buy an extended warranty one time. Used to be that every dollar you spent on the card was equal to a point, and that up to a certain amount like $1500 or $2000 (whatever the promo was at the time), GM would allow you to knock that much off the price of a new car, or something at the dealership (like an extended warranty). They have completely changed that point allocation model now though. I don't know how much card spending it would take to get the max of $1500 or $2000 off a new truck (whatever they will allow this month) but it has to be close to $10,000. I guess the old point allocations were just unsustainable.
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Oculus Spirit [98794]
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Oculus Spirit [82506]
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That's awesome.
May 23, 2024, 10:15 AM
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I don't want to go to France.
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Oculus Spirit [98794]
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Well, in fairness, I've heard of worse choices. Like getting a card for a free
May 23, 2024, 10:41 AM
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t-shirt. That was popular at Clemson in the 1990's. Free t-shirt, then you have thousands you can spend on beer and parties, and then when you graduate, in addition to your student debt, you also had $10K in credit card debt.
#funtimes.
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Heisman Winner [107505]
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Greenr did that, never used the card though, but someone did and went on
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May 23, 2024, 10:52 AM
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Spring Break to Texas. My dad called me flipping out that there were CC bills past due for a card he didn't know I had. That was a little process to have it removed. The Clemson police department said the PO may have put the card in the wrong mailbox or someone just reached through and grabbed my mail. Nothing else ever happened.
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Oculus Spirit [98794]
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Had a good friend at Clemson who bit on a card for a t-shirt deal.
May 23, 2024, 11:23 AM
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He immediately proceeded to max it out, and he just kept paying the minimum. He graduated with student debt and a 10K credit card debt.
FFWD two or three years. SAME friend, presumably had paid off his card and became a mortgage broker, tried to sell me a sub-prime 5yr interest-only mortgage for $400K, with a household income maybe $45K. He tried so hard to sell us that loan, and I kept remembering his credit card issue when he graduated. He told me he financed his own new (NICE) house on a similar loan. Just so happens a $400K loan for newlyweds just 2 years out of college produced the EXACT mortgage payment we pre-determined we'd like to have as a monthly payment. For 5 years, we could afford it. So year 5 what happens? That $800 payment jumps to $2,300. Ok, so what if we can't afford that? Just sell the house, and get another $600K subprime 5yr interest only mortgage with the equity you get from selling the house since real estate always goes up.
He had it all figured out.
He's not in real estate anymore, nor the mortgage business. His company folded in the 2008 (5 years after 2003) housing crisis.
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All-In [45679]
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And today, he owns sparkle nail spa in Columbia SC.***
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May 23, 2024, 11:25 AM
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Oculus Spirit [98794]
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No, he's doing well these days.***
May 23, 2024, 11:48 AM
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All-In [45679]
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Mr deadbeat nail spa man is doing fine for hisself. I have streetviewd his house
May 23, 2024, 1:35 PM
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in his nice neighborhood and his kid is graduating from private school. He's just a lousy deadbeat, he has money.
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Hall of Famer [22814]
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glitterbomb
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May 23, 2024, 1:41 PM
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this man needs a glitterbomb
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Heisman Winner [107505]
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All-In [44632]
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Don't even get me started about the time that
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May 23, 2024, 2:50 PM
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was approximately yesterday when I found a receipt in the floor of TRDJuanita's hoopty for $185 at a nail salon.
ONEHUNDREDANDEIGHTYGODDAMNDOLLARS. TWENNYTHOUSANDPESO.
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Heisman Winner [107505]
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Ya, I axed did they do a wax job too
May 23, 2024, 4:36 PM
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that is fugging pricey. Between Hair, nails, etc, you can make a dang mortgage payment.
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All-In [45679]
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Buy your groceries with it. Use it at restaurants. Pay off every month.***
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May 23, 2024, 9:28 AM
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Oculus Spirit [82506]
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Pffft. I don't buy groceries.
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May 23, 2024, 9:29 AM
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I only go to the grocery store to buy beer.
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Hall of Famer [22814]
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don't you have a boat?
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May 23, 2024, 9:30 AM
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gas, storage? random shid?
beer, food, bills?
c'mon man. put everything but the mortgage and (if you have them) car payments on there. I'd pay my mortgage w/ mine if there wasn't a fee.
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Oculus Spirit [82506]
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given the constrainst, if you can figure out a way I can pay my
May 23, 2024, 9:35 AM
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mortgage with it, I'm all ears. That would be excellent, because with the few hundred I've already spent, I could knock it out immediately.
Car payments? Ewww. No man.
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Hall of Famer [22814]
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so minus your mortgage
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May 23, 2024, 9:38 AM
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your monthly living expenses are $500 / month
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Oculus Spirit [82506]
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Maybe?
May 23, 2024, 9:41 AM
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How do you think I don't have a car payment?
The goal is to knock this out quickly--I'm not trying to make a job out of getting 70K skymiles.
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Hall of Famer [22814]
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I don't have a car payment either
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May 23, 2024, 9:47 AM
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but I know my budgets to the penny.
I'd hit $500 in utilities alone. usually in the $850 range.
food + gas + auto/home insurance + booze + eating out....yeah right bro. BEST case, in this economy, your monthly budgets minus debt is ~ $1500 - $2,200.
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Oculus Spirit [82506]
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We can go through this if you like
May 23, 2024, 9:51 AM
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But its an extraordinary month if I spend $2200 aside from my house payment. I don't have kids, and I live a boringass life.
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All-In [29265]
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Except for the hookers, coke, and gun fights.***
May 23, 2024, 9:57 AM
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Oculus Spirit [82506]
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you mean EVERYONE doesn't do that?
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May 23, 2024, 9:59 AM
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I just thought those were normal.
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All-In [44632]
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Cell phone, water, cable, internet, electricity, beer, food, gas,
May 23, 2024, 9:48 AM
[ in reply to Maybe? ] |
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netflix, car insurance, life insurance. Seems like you'd get to $500/month much faster than you think.
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Hall of Famer [22814]
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pretty sure this man has a diesel
May 23, 2024, 9:49 AM
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and a boat, plus his wife's car (likely a 1998 Buick Regal). those things BURN gas.
just stop w/ this foolishness
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Oculus Spirit [82506]
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Nah I'm no longer a diesel consumer
May 23, 2024, 9:58 AM
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Wife's car still burns gas, and she still pays for that.
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Oculus Spirit [82506]
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Re: Cell phone, water, cable, internet, electricity, beer, food, gas,
May 23, 2024, 9:57 AM
[ in reply to Cell phone, water, cable, internet, electricity, beer, food, gas, ] |
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Cell phone: $20/month. Remember y'all giving me so much chit about Visible wireless? Water: $70/month, then i gotta change the whole auto pay. Internets: ~100/ month, then i gotta change the whole auto pay. Electricity ~150-$170/mo then i gotta change the whole auto pay. beer/going out prob $300/mo - That one I can prob do easy food: $200/mo - that one i can do easy gas: ~$70-100/month. That one I can do, maybe if the gas station I buy gas to get Harris Teeter points takes Amex.
All that adds up to about $1100/month.
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Hall of Famer [22814]
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don't you have a boat?
May 23, 2024, 10:01 AM
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where do you store it? Driveway?
you and your wife split everything?? that was a variable I did not see coming.
so combined, you both spend $2200....IF we buy your food and booze numbers (which I don't). $200 a month in groceries is 2 runs of jack squat. I spend ~ $500 / month at the grocery store, and I don't buy any meat there.
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Oculus Spirit [82506]
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I do.
May 23, 2024, 10:05 AM
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It sits in the yard beside the house. I have to buy ~$1200 in axles this week for the trailer, but dude only takes cash money.
We don't split everything, but she does buy the groceries.
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Hall of Famer [22814]
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man. I empathize with people
May 23, 2024, 10:11 AM
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failing to leverage financial resources in a manner that generates the most return.
I just checked. I have $37k left to spend to hit complimentary sky club access. I think I'll hit that by October.
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Oculus Spirit [82506]
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I'm not sure of exactly what you are referring
May 23, 2024, 10:15 AM
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but 'returns' aren't always monetary.
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Hall of Famer [22814]
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yes. this OP was about points lol
May 23, 2024, 10:19 AM
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so I'm talking about points and other benefits you get by combining resources / spend
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CU Medallion [56486]
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Hall of Famer [22814]
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my cc games are elite
May 23, 2024, 10:49 AM
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Hall of Famer [22814]
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holy amateur hour
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May 23, 2024, 9:28 AM
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1 - no chance you fly to the bahamas on 70k points.
2 - no chance you spend less than $3k in 6 months. what - you one of these guys that uses their debit cards for everything?
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Oculus Spirit [82506]
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Re: holy amateur hour
May 23, 2024, 9:39 AM
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1) I'm just about positive I can get to Miami for 70K points. From there, I can get to Nassau. Eleuthera or Exuma on the cheap.
I really don't spend that much. I work from home, buy gas about every 3 weeks, and have curtailed my going out down to about once a week. It'd be easier to do one big purchase (like a house payment) and just be done with it.
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Heisman Winner [107505]
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You can pay your wife's PayPal account $3,000 and label it for whatever, like
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May 23, 2024, 9:41 AM
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seggs, then she can transfer it to the bank. I am sure there are fees associated with those transactions though, so you lose some money in that.
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Oculus Spirit [82506]
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NOW we're talking
May 23, 2024, 9:42 AM
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That's an idea.
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Hall of Famer [22814]
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I stand corrected
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May 23, 2024, 9:44 AM
[ in reply to Re: holy amateur hour ] |
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you can get to Nassau from CHS w/ 70k points. sorry for being a meanie. even worse, a wrong meanie.
you small market airport people can suck a fat one.
In peak season - CHS - NAS : 36k pts (use the my dates are flexible option)
BNA - NAS: 56k pts
put all your bills on the card and you'll hit it in no time.
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Lot o points [158306]
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When I moved here 11 years ago,
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May 23, 2024, 10:41 AM
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BNA WAS a small market airport. Man I miss that.
That outer pickup lane at baggage claim? That was a row of angled parking spaces where you could pull in and wait for the person you were picking up, and you could always find a space.
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Hall of Famer [22814]
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btw ... I uncovered a pro tip
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May 23, 2024, 10:47 AM
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for BNA. don't go sharing this with all your hobnobber tennis bros either.
You know the new Hilton they built at the airport? There's a drive - thru / drop off type area that is right by the exit doors of the bottom entry/exit way (going to/from parking garages).
There's space in there to park and wait, no traffic, no rent-a-cops yelling at you.
It's ideal.
You're whalecum
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All-TigerNet [12534]
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you can fly direct to nassau for cheaper than anywheres in south FL
May 23, 2024, 10:00 AM
[ in reply to holy amateur hour ] |
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Miami, FLL, Key west are ridiculous to fly into unless you chance it on Alligent etc
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Oculus Spirit [82506]
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Last year when i went, I flew to EYW
May 23, 2024, 10:10 AM
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friends-of flew to FLL and drove 3 hours from there.
I think it cost me $200 more to fly to EYW, and they still had to rent a car and drive. Because the rental cars are so cheap in Key West, they ended up spending more than I did to fly and drive in.
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All-TigerNet [12534]
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we are flying into EYW late june, was pretty much equivocal $ to FLL
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May 23, 2024, 10:35 AM
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also, caught a sweet deal thru work for convertible from Enterprise, much cheaper than Turo.
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Oculus Spirit [82506]
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All-TigerNet [12534]
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nice, but guess our arrival and departure is the suxor
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May 23, 2024, 2:50 PM
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put in our days and bumps to $35 a day
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Oculus Spirit [88063]
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Oculus Spirit [82506]
TigerPulse: 100%
Posts: 57064
Joined: 9/13/04
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Heisman Winner [107505]
TigerPulse: 100%
Posts: 65880
Joined: 12/2/02
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Groceries + Gas + Restaurants would hit $3k QUICK for me
1
May 23, 2024, 9:33 AM
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put a couple Verizon bills or Utility bills in there and it would be in a month or so. Those might be a pain to get off autodraft though
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Oculus Spirit [82506]
TigerPulse: 100%
Posts: 57064
Joined: 9/13/04
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I prob should have stipulated that part of being a deadbeat FBcooch
May 23, 2024, 9:45 AM
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thing to do, it also needs to be easy because I'm lazy.
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All-In [45679]
TigerPulse: 100%
Posts: 11174
Joined: 3/1/18
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You could just buy few dozen custom signs online from a local vendor.***
3
May 23, 2024, 9:46 AM
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All-In [49194]
TigerPulse: 100%
Posts: 21557
Joined: 12/22/98
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Dammm, missed this one***
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May 23, 2024, 9:55 AM
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CU Medallion [60450]
TigerPulse: 100%
Posts: 42654
Joined: 11/30/98
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Buy some sweet 50yd line Clemson season football tickets
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May 23, 2024, 9:42 AM
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then sell on Ticketbastard. You won't get all your money back probably, but majority of it.
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All-In [49194]
TigerPulse: 100%
Posts: 21557
Joined: 12/22/98
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Solution
6
6
May 23, 2024, 9:54 AM
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Order $3,000 worth of graduation signs from KenM_Tigerfann
Then you can claim you never got them and screw him over
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All-In [45679]
TigerPulse: 100%
Posts: 11174
Joined: 3/1/18
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Re: Solution
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May 23, 2024, 2:27 PM
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CU Medallion [67905]
TigerPulse: 100%
Posts: 25201
Joined: 6/12/14
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Have you considered borrowing the money from a friend
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May 23, 2024, 11:08 AM
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like FBCoachSC® and all of that sweet, sweet, MaMaw equity ?
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Oculus Spirit [82506]
TigerPulse: 100%
Posts: 57064
Joined: 9/13/04
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I wonder what the % age interest would be after he has to get it from
May 23, 2024, 11:27 AM
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a payday loan place?
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Oculus Spirit [82506]
TigerPulse: 100%
Posts: 57064
Joined: 9/13/04
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Went to Chick Fil A for lunch
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May 23, 2024, 2:20 PM
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handed the dude the wrong credit card
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All-In [45679]
TigerPulse: 100%
Posts: 11174
Joined: 3/1/18
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zero points***
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May 23, 2024, 2:28 PM
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Oculus Spirit [82506]
TigerPulse: 100%
Posts: 57064
Joined: 9/13/04
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Well I got American Airline miles
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May 23, 2024, 2:31 PM
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but doesn't help me any with the Amex Delta problem.
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Hall of Famer [22814]
TigerPulse: 100%
Posts: 8983
Joined: 9/11/11
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omg dude
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May 23, 2024, 2:56 PM
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you got a delta card and you already have an AA card????
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Oculus Spirit [82506]
TigerPulse: 100%
Posts: 57064
Joined: 9/13/04
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I've had it a while.
May 23, 2024, 3:24 PM
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Typically when I fly its "how fast can you get there". I don't get to choose much.
I rarely fly for fun. Flying sucks. Other than the keys or somewhere in the Caribbean, where the eff would I go? I already live where a a fair amount of folks come to vacation.
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Hall of Famer [22814]
TigerPulse: 100%
Posts: 8983
Joined: 9/11/11
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then why did you get a delta card?!?!
May 23, 2024, 4:57 PM
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ayy yai yai - ok, now I see the FBCooch shenanigans lol. you're killing me
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Oculus Spirit [82506]
TigerPulse: 100%
Posts: 57064
Joined: 9/13/04
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Originally I was trying to boost my credit score.
1
May 24, 2024, 12:28 PM
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It hovers around 780, and I can't get it any higher. I read around some and since I only had one CC, it said I needed at least 3 CC's.
There is something to it I guess; I'm around 804 now, but I don't see it going any higher.
weird. I've never been late on a payment, have 3 CC's, a mortgage..and thats the max it will go. Credit scores are like fuzzy math.
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All-In [49194]
TigerPulse: 100%
Posts: 21557
Joined: 12/22/98
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Same
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May 24, 2024, 12:39 PM
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I just got a new card for that very reason.
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Orange Blooded [4142]
TigerPulse: 100%
Posts: 2497
Joined: 11/30/98
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Re: Speaking of deadbeat FBcooch things to do, junge, help me out.
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May 24, 2024, 12:12 PM
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Prepay cable/internet/gas bill/electric bill.
I paid Spectrum $1k and Duke Power $1k and they are happy to take the money and show a credit on your account.
There's no fee for it.
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Oculus Spirit [82506]
TigerPulse: 100%
Posts: 57064
Joined: 9/13/04
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prepaying the electric bill is not a bad idea.
May 24, 2024, 12:24 PM
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It won't be all 3,000 this year but I could prob throw a grand at it.
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