Wednesday, July 22, 2020
Shopping Insurance
COVID had gotten me more motivated to shape up financially in case the impact expanded to my employment. To date I have not been negatively impacted financially but others around me have been.
Telecommute has been extended a few weeks at a time, the most recent extension takes me through September. I was not surprised by this and at current rate don't see any sort of partial return to the office before Thanksgiving. This resurfaced the thought of how little I am driving. My mileage was already comparatively low but with telecommute I am only using the car one or two days a week. I have driven a total of 3,000 miles in the past six months due to working from home. The slight premium rebate the insurers provided in the spring was a nice gesture but in the grand scheme of things a drop in the bucket.
I started by calling my current insurer, Progressive, and asking to rework the assumptions about my driving habits. This request was repeatedly interpreted as wanting to change my coverage which I strongly disagreed with. I spent about an hour after this unsuccessful call shopping auto insurance. I found that in an apples to apples comparison I already had the best price I could find mostly due to a minor fender bender I had last year. What I did discover is that Progressive has collision and comprehensive deductible options other insurers don't. I had not wanted to change coverage but the deductible pricing made it attractive.
When I started this shopping quest I had a $500 deductible on both comprehensive and collision. I found that by increasing my deductible by $250, to $750, my six month premium would drop by $73 or approximately a third of the additional liability I would be assuming. I haven't had a history of filing claims every 18 months so I am likely well ahead on this change. I had also priced the $1000 deductibles and found that the premium reductions for this $250 jump were significantly less than the first $250 increase. Annualized savings of $146 for taking the $750 deductible. I will likely eventually be increasing the deductible to $1000 but want to build up a separate savings to cover this deductible so if I need to claim, it won't be such a financial speed bump.
Tuesday, July 21, 2020
What's in My Wallet?
What credit cards are in my wallet and why?
Delta SkyMiles Gold American Express Card my link My home airport is MSP, Delta dominates, and I like having the freedom to check a bag without a fee. Until this year I would have said it was a card to have but not to use. New features include 2x miles on dining and groceries as well as $100 Delta gift card when $10,000 is spent in a calendar year.
Chase IHG Rewards Club Premier my link Truthfully, this card isn't often in my wallet. It is very much a card to have but rarely use. I use this on IHG stays and nowhere else. Perks of the card include IHG Platinum status which gets you 50% more points and upgrades such as they are at IHG. This card also rebates the fourth night on award bookings which makes it very valuable to me. Ignoring that benefit there is also an annual free night which alone offsets the $89 fee. The card also offers Global Entry/TSA Pre reimbursement, I have yet to use this benefit but will be making use of it next year at GE renewal.
Citibank Costco Visa I surprisingly love Costco despite not being a fit for Sam's Club, very different product mix. I picked this up initially because at the time I joined Costco my wallet ran on Mastercard. This card gets heavy use for the 4% back in gas and 3% in travel in and dining. My Costco spend also goes on it as I don't have a card that can do better than 2% at Costco and my membership info is printed on the card so one less thing to carry. I would consider this the best no annual fee travel card out there. The downside is cash out only happens annually and must be done at Costco.
Citibank Double Cash This is actually my oldest credit card, it was opened as an AAdvantage card and product changed to avoid the annual fee. Likely due to product changing into this card it is a WorldElite card giving some additional MasterCard sponsored benefits, I have only benefited from the Lyft and Fandango credits. 2% on everything is a nice catch all card when I decide a SkyMile isn't worth that much.
Synchrony Verizon Visa This is the newest card to my lineup, it only makes sense if you intend to be a loyal Verizon Wireless post paid customer. I have the Verizon bill setup to charge to this card as I get the autopay discount and a 2% rebate on that spend. Like the Costco card this also offers 3% on dining and 4% on gas, the main difference being this card allows monthly redemption and only to Verizon Dollars. The benefit that got my attention with this card was 4% on grocery stores, 4% in quasi-cash has more value to me than 2 Delta miles or IHG points.
Chase and American Express links contain referrals, there may be better signup offers available.
Delta SkyMiles Gold American Express Card my link My home airport is MSP, Delta dominates, and I like having the freedom to check a bag without a fee. Until this year I would have said it was a card to have but not to use. New features include 2x miles on dining and groceries as well as $100 Delta gift card when $10,000 is spent in a calendar year.
Chase IHG Rewards Club Premier my link Truthfully, this card isn't often in my wallet. It is very much a card to have but rarely use. I use this on IHG stays and nowhere else. Perks of the card include IHG Platinum status which gets you 50% more points and upgrades such as they are at IHG. This card also rebates the fourth night on award bookings which makes it very valuable to me. Ignoring that benefit there is also an annual free night which alone offsets the $89 fee. The card also offers Global Entry/TSA Pre reimbursement, I have yet to use this benefit but will be making use of it next year at GE renewal.
Citibank Costco Visa I surprisingly love Costco despite not being a fit for Sam's Club, very different product mix. I picked this up initially because at the time I joined Costco my wallet ran on Mastercard. This card gets heavy use for the 4% back in gas and 3% in travel in and dining. My Costco spend also goes on it as I don't have a card that can do better than 2% at Costco and my membership info is printed on the card so one less thing to carry. I would consider this the best no annual fee travel card out there. The downside is cash out only happens annually and must be done at Costco.
Citibank Double Cash This is actually my oldest credit card, it was opened as an AAdvantage card and product changed to avoid the annual fee. Likely due to product changing into this card it is a WorldElite card giving some additional MasterCard sponsored benefits, I have only benefited from the Lyft and Fandango credits. 2% on everything is a nice catch all card when I decide a SkyMile isn't worth that much.
Synchrony Verizon Visa This is the newest card to my lineup, it only makes sense if you intend to be a loyal Verizon Wireless post paid customer. I have the Verizon bill setup to charge to this card as I get the autopay discount and a 2% rebate on that spend. Like the Costco card this also offers 3% on dining and 4% on gas, the main difference being this card allows monthly redemption and only to Verizon Dollars. The benefit that got my attention with this card was 4% on grocery stores, 4% in quasi-cash has more value to me than 2 Delta miles or IHG points.
Chase and American Express links contain referrals, there may be better signup offers available.
Weekend Escape to the Eau C
I have a single trip since COVID stay at home and I wish it were in happier circumstances. I am based in the urban core of Minneapolis-Saint Paul, not the most tranquil of urban environments this year. In the immediate aftermath of the George Floyd tragedy I knew eventually there would be a march on the capital and that it was very likely to have an impact on my work from home productivity. After dealing with helicopter noise for an hour straight I decided it was time to relocate for a long weekend.
This lead to hastily searching what hotels were actually open within driving range and were in a location somewhere other than an interstate exit as I intended on enjoying my off hours outdoors. I settled on the Hampton Inn in Eau Claire as I was somewhat familiar with the city and the hotel is located on the edge of a commercial strip with access to walking trails. I dug out my disused Hilton Amex and made the booking, hastily packed for three days and made the leisurely drive east. Travel in late May was still way down, I counted less than 20 cars in the parking lot on the first night and slightly more the second night.
The front desk was separated from the lobby by what appeared to be a shower curtain, effective but unsightly. I was quite diligent about keeping my distance and all went well. I inquired about breakfast and was told that it was grab and go bags. I entered the room and began my own disinfecting on top of the cleaning the hotel had done. The following morning I discovered this consisted of a wrapped apple, cereal bar, and Spunkmeyer muffin. Coffee was available on request and distributed by gloved staff hands. I opted to take the coffee and apple but otherwise had decided the McDonald's next door was going to offer a healthier breakfast. Hearing that Wisconsin had opened restaurants for take out I walked over to find that the operation was actually dive thru only. I returned the the hotel room to collect car keys and was successful in obtaining breakfast on the third attempt. I returned to my room to eat and a day of remote telework, the desk setup was a bit smaller than I would have desired but it was functional for an 8 hour day on the laptop and conference calls.
After work I went downtown and explored the trails through downtown and Carson Park. I was surprised to see how much of the city is actually on the riverfront and how well kept the park was. I easily got my 10,000 steps and more in the sun and had got some local beer and takeout dinner for another meal back in the hotel room. The second morning went much the same as the first, McBreakfast in the room and another day of exploring in the sun and keeping current on the news of home. On checkout the front desk remembered why I was there and sincerely inquired on the status of the protests.
Overall the COVID roadtrip was not as much of the foreign experience I expected.
This lead to hastily searching what hotels were actually open within driving range and were in a location somewhere other than an interstate exit as I intended on enjoying my off hours outdoors. I settled on the Hampton Inn in Eau Claire as I was somewhat familiar with the city and the hotel is located on the edge of a commercial strip with access to walking trails. I dug out my disused Hilton Amex and made the booking, hastily packed for three days and made the leisurely drive east. Travel in late May was still way down, I counted less than 20 cars in the parking lot on the first night and slightly more the second night.
The front desk was separated from the lobby by what appeared to be a shower curtain, effective but unsightly. I was quite diligent about keeping my distance and all went well. I inquired about breakfast and was told that it was grab and go bags. I entered the room and began my own disinfecting on top of the cleaning the hotel had done. The following morning I discovered this consisted of a wrapped apple, cereal bar, and Spunkmeyer muffin. Coffee was available on request and distributed by gloved staff hands. I opted to take the coffee and apple but otherwise had decided the McDonald's next door was going to offer a healthier breakfast. Hearing that Wisconsin had opened restaurants for take out I walked over to find that the operation was actually dive thru only. I returned the the hotel room to collect car keys and was successful in obtaining breakfast on the third attempt. I returned to my room to eat and a day of remote telework, the desk setup was a bit smaller than I would have desired but it was functional for an 8 hour day on the laptop and conference calls.
After work I went downtown and explored the trails through downtown and Carson Park. I was surprised to see how much of the city is actually on the riverfront and how well kept the park was. I easily got my 10,000 steps and more in the sun and had got some local beer and takeout dinner for another meal back in the hotel room. The second morning went much the same as the first, McBreakfast in the room and another day of exploring in the sun and keeping current on the news of home. On checkout the front desk remembered why I was there and sincerely inquired on the status of the protests.
Overall the COVID roadtrip was not as much of the foreign experience I expected.
COVID Reincarnation
COVID restrictions have foiled several travel plans, I have more nonrefundable airline credit than I would really like thanks to using Southwest WGA refare credits and Delta gift cards from the Costco Christmas sale. I also have a surprising high amount of vacation days left and it has been 5 months since I have been on a plane.
As I cancelled the latest optimistically booked trip I recalled I did have this long dormant blog and more time to occupy at home so I am back. Apparently people actually have read it according to the stats.
I did have one travel experience during the safer at home period, I'll address that soon. Looking ahead, I have been taking steps toward a financial streamlining so going forward this will be split between travel and finance entries.
As I cancelled the latest optimistically booked trip I recalled I did have this long dormant blog and more time to occupy at home so I am back. Apparently people actually have read it according to the stats.
I did have one travel experience during the safer at home period, I'll address that soon. Looking ahead, I have been taking steps toward a financial streamlining so going forward this will be split between travel and finance entries.
Sunday, April 8, 2012
Czech Mate!
Two interesting developments involving my red haired step child account with Czech Airlines recently. In an attempt to clean up their books the rules regarding their Ok+ mileage program are being amended in several unfriendly ways. Additionally I tried booking a revenue ticket with them on a fare that may or may not have been filed correctly and may or may not have been ticketed correctly.
I have ~19,000 Czech miles from my 2009 credit anywhere but Delta strategy. This was at best half baked at the time but I received a lot of impressive postal mail from Prague as a result. These miles were due to expire this summer due to nonactivity so I was going to throw a hotel stay at it to slowly grow to redemption levels. Last month CSA sent an email stating that terms were changing and all miles required an actual flight on their metal or the miles would be wiped from the books in May. This is not the easiest thing to do living 5,000 miles from their only hub.
The backup plan was to transfer a batch of miles to Hilton in preparation for Grand Slam 2012. I found that this option no longer exists. I am left with buying up to 25,000 miles and redeeming for a Delta roundtrip at 200 Euro, speculatively booking a intra-Europe oneway including a punitive fuel surcharge with them and hope my plans and their planes are still flying, or make a donation of my miles and hope they don't get disappeared.
In somewhat related news, I also snagged a international business class ticket from Bangkok to Prague and Paris for $268 that was coded as Czech flights with some Ethiad metal. I was greatly please to see that the purchase cleared and a ticket number issued but less so to find an email from Expedia stating the flights, but not the ticket, were cancelled by the airline. three calls and two hours on the phone with Expedia resulted in an empty apology and a "choice" of refunding the ticket or paying the extra $2000 that similar itineraries typically cost. I took the refund but did not actually have it appear for over a week.
I have ~19,000 Czech miles from my 2009 credit anywhere but Delta strategy. This was at best half baked at the time but I received a lot of impressive postal mail from Prague as a result. These miles were due to expire this summer due to nonactivity so I was going to throw a hotel stay at it to slowly grow to redemption levels. Last month CSA sent an email stating that terms were changing and all miles required an actual flight on their metal or the miles would be wiped from the books in May. This is not the easiest thing to do living 5,000 miles from their only hub.
The backup plan was to transfer a batch of miles to Hilton in preparation for Grand Slam 2012. I found that this option no longer exists. I am left with buying up to 25,000 miles and redeeming for a Delta roundtrip at 200 Euro, speculatively booking a intra-Europe oneway including a punitive fuel surcharge with them and hope my plans and their planes are still flying, or make a donation of my miles and hope they don't get disappeared.
In somewhat related news, I also snagged a international business class ticket from Bangkok to Prague and Paris for $268 that was coded as Czech flights with some Ethiad metal. I was greatly please to see that the purchase cleared and a ticket number issued but less so to find an email from Expedia stating the flights, but not the ticket, were cancelled by the airline. three calls and two hours on the phone with Expedia resulted in an empty apology and a "choice" of refunding the ticket or paying the extra $2000 that similar itineraries typically cost. I took the refund but did not actually have it appear for over a week.
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