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Messages - Dan

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Just Shmooze / Re: MLB
« on: Today at 12:12:08 AM »
Sox in 6

General Discussion / Re: Mega millions $1.6BB
« on: Yesterday at 10:26:52 PM »
1. If you have that kind of money you'd be stupid to invest it all in high quality bonds (though there definitely are ways to get 30 year rates of around that amount with similar amounts of risk). You should be investing in a more diversified way. You have options with the lump sum. Though again - if you aren't disciplined enough to save and invest wisely, the annuity is a safer option.
2. Are you sure that's true? I'm pretty sure you'd pay taxes to the state you purchased the ticket in regardless of where you move to. What you're saying may work out if you buy lottery tickets from states like DE, but most of us don't travel to buy tickets so that if we win we'd save 8%.

First of all, it should go by where you live, not where you buy it.
Second of all, why would you pay taxes on future earnings from a annuity to where you bought the ticket or where you live now? The first payment might go to NY if you live there, but if you move to FL next year why wouldn't the next 29 payments be state tax free?

General Discussion / Re: Mega millions $1.6BB
« on: Yesterday at 10:11:34 PM »
I'd take the lump sum and invest it unless you're concerned about money management and blowing through the money quickly. The rate of return is low in the annuity option. You can make more yourself.
Where can you make more than 3.5% with zero risk?
Also don't forget to factor than the annuity option gives you time to move to a no income tax state.

Destination Guides And Trip Planning / Re: Maldives Master Thread
« on: Yesterday at 04:58:06 PM »
How bad of an idea is it to overnight in MLE?
Coming from HKG seems the CX flight forces it. What are my other options?
Definitely not ideal if there's another option. Not the end of the world either.

General Discussion / Re: Mega millions $1.6BB
« on: Yesterday at 01:53:19 PM »

I also got a box cutter. I chatted with them and they honored the original deal
More details please.

Up In The Air / Re: kosher food in airport lounges
« on: Yesterday at 12:56:38 PM »

Up In The Air / Re: kosher food in airport lounges
« on: Yesterday at 12:48:01 PM »
Just saw this now,

I was there in late july, chef claimed that if i called in advance to order kosher meals they get them from Teaneck (she couldn't supply me with any more details)

Made me a nice fruit plate though,
Wonderful, wonderful lounge real game changer
I was there for like 12 hours (had a 17 hour delay that kept getting pushed back every few hours)
Did they let you open a new bottle of wine?

General Discussion / Re: Proofread DDMS Posts In Advance...
« on: Yesterday at 12:08:27 PM »
I guess. Just dumb that there's no option to only check on pages when manually requested.

General Discussion / Re: Proofread DDMS Posts In Advance...
« on: Yesterday at 11:53:55 AM »
Trying it and despise it so far.

Up In The Air / Re: What Award Itinerary Did You Just Book/Hold?
« on: Yesterday at 11:49:14 AM »
I think I can get Dan to agree to this if you're willing to concede the heliports.

General Discussion / Re: Proofread DDMS Posts In Advance...
« on: Yesterday at 11:41:45 AM »
The Grammarly chrome extension can be very helpful for unnoticed grammar mistakes.

Any way to turn it off by default and only check when you request it?
Otherwise it seems really invasive.

General Discussion / Re: Proofread DDMS Posts In Advance...
« on: Yesterday at 10:18:14 AM »
1. Might want to mention that some of the spending caps are the same between bonus categories, ie. office supplies and phone/internet bills are both $25k on the IC but it's the same $25k, you don't get $25k for each. In the chart, it seems like they're independent.
2. You might want to make the distinction that while you can transfer UR-UR to multiple AU's, you can only transfer UR-FFN to one of your AU's FFN and then you can never transfer directly to another AU's FFN ever again. Although maybe that's a bit much for this post.
3. "The card offers $300 in annual refunds that post automatically whenever you charge something that is categorized as airfare, Airbnb," Why not just say "anything that is categorized as travel, which includes airfare, etc..?
4. By the CSR- "Youíll get a Priority Pass lounge membership that allows you to bring unlimited guests" it should be two guests.
5. "Youíll get a free Global Entry/Pre-Check membership." You don't really get a free GE membership, the card will rebate the cost of GE/PReCheck once every 4 years if you charge it to the card.
6. "Note: The Sapphire Preferred and Sapphire Reserveís spending categories are similar, so youíll only need one of these cards as part of an optimized spending strategy. Personally I prefer the Sapphire Reserve as that card allows you to redeem all of your Chase points (including the points of an authorized user) to be used at a minimum value of 1.5 cents" Add a comma after personally and you don't need the words "to be used," you can just say "redeem all of your Chase points at a minimum value...
7. "Alternatively many people might find a more useful Chase Quinfecta to add a card like the Chase United Explorer card into the mix, this card also carries a $95 annual fee." This sentence is just awkward, maybe say "people might find it more useful to have their Chase Quinfecta include a card like the Chase UE card. This card also carries..." Or something like that.
8. "and they can add each other as authorized users on each otherís cards!" I would repeat "each other" twice, just say "they can each add the other as an AU on their cards."
9. "Additional user consumer cards do count, but you can get them not to count by calling reconsideration if you are rejected for a card." Don't say "you can get them not to count" that just sounds weird, I would say "Consumer AU's (from any card) do cound since they appear on your CR, but if you call recon, you can ask them to overlook them since they are only AU's and you are not responsible for paying the balance."
10. "All Chase cards that earn Ultimate Rewards are subject to 5/24 restrictions. That means it will be hard to get approved" For all intents and purposes, it's impossible to get approved, it's a little misleading to say that it is just hard.
11."Another benefit of the card not reporting on your personal credit report" I would add "benefit of business cards not reporting" I think the way you go about explaining this is a bit awkward. I would rewrite is as follows. "Another benefit... not reporting on your personal credit report, is that your credit score won't be hurt when you spend money on your cards. Then explain how credit utilizatin hurts your credit score.
12. "On an business cards from banks like AMEX and Chase" Drop the "an". "itís just not reported," I would say "Your credit utilization is't reported,"
13. "The Sapphire Preferred or Ink Preferred card allow you and anyone in your household to transfer Chase points into miles. They also allows you to use points at a value of 1.25 cents each towards travel." Should be just "allow"
14. You really have a Freedom and Ink unlimited? Why?
15. You keep mentioning using household members cards for redemptions or transferring but you never really mention how it works. Since this is supposed to be an all about post, I would mention at least breifly that you have to actually transfer the UR to the specific card or yours or your AU that you want to use for redepmtion or transfer, you don't get the options automatically by having it in your household. Maybe I'm just being nitpiccky here but that's how I see it.
Awesome, fixed.

Anything else?

Up In The Air / Re: What Award Itinerary Did You Just Book/Hold?
« on: Yesterday at 09:56:03 AM »
Though if youíre writing 764 you also do 712.
I don't think I would.
The 767 has variants, the 717 doesn't.

Are you posting on DDMS @Dan?
Is it worth the nasty comments?
I guess so.

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