{ "media_type": "text", "post_content": "How many credit cards do you have and why?", "post_id": "5d817a52050c05002053902a", "reply_count": 8, "vote_count": 0, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

How many credit cards do you have and why?

Posting as :
works at
You are currently posting as works at

Zero, for the simple reason that I don’t want to go into debt.

You can pay the card off monthly. I like collecting the points.

like

1) Costco (required for Costco purchases, and get cash back rewards)
2) Marriott Bonvoy (my old SPG card that I never switched out, and get lots of points on this, but am considering switching to Chase Sapphire)
3) Amazon Prime (for Amazon & Whole Foods purchases that get rewards)
4) Alaska - only to get the $99 annual companion pass and free checked luggage on flights

14 mostly because I churn for bonuses

1) sapphire reserve for dining and travel
2) amazon prime for whole foods and amazon
3) Citi double cash for everything else
4) corporate card, used when forced

1) my oldest card, for purposes of keeping a good credit score. Also happens to work internationally if another card gets denied.
2) chase sapphire reserve for almost all my purchases. My favorite card by far.
3) an old capital one card simply Bc I was too lazy to change my default card for gym and internet charges.

Additional Posts in Personal Investment Chatter

What will be the avg hike in promotion from analyst to Con?

likefunny

Booth (100K) versus CBS (90K) versus Wharton (no $)? Interested in MBB.

like

Started playing Breath of the Wild on switch lite this fall and it is keeping me alive

likeuplifting

For mutual funds - VFIAX min is 3k initially. after buying first shares can I buy in smaller amounts, or always at least 3k every time I want to buy shares? Thinking about monthly HSA contributions..?

like

Hey New Yorkers - Can anyone recommend a good dermatologist? I live in Midtown. Looking for someone who actually gives valuable insights and doesn't just prescribe generic things. Haven't had much luck in the past.

like

Hey everyone 👋, anyone working in Blockchain Development field here? Or planning to switch into it? Need some help in career planning.

like

Hi Guys! Can anyone provide referrals for KPMG or McKinsey? Looking for a life science role in strategy consulting with a MSc in medical sciences degree background! Thanks in advance!

like

A quarantine summer Monday.

Post Photo
likefunny

Is 70k € is good salary in Helsinki Finland for senior consultant in Deloitte? I have 7 years of experience.

like

I hate politics, which means I suck at Office Politics. Any advice, learning experiences, or insight for someone who knows he has to be better at it?

like

Do you love your energy efficient washer/dryer that fits in a small space? What make/model? ✌🏼

like

I have to see a nurse for deep wound care.
It hurts a lot and I've been doing this for months now. I'm terrified of the pain, I really can't keep doing this- any tried and tested tips to overcome this fear?

like

Every year I get asked to join a union. I don't think I need to, of course, until I actually need their support. What do you think?

like

Hey fishes!
So I'm done with HR round of Boeing. From here how long will it take to get OL / CTC breakup?

It seems like those who have recently joined Boeing aren't aware of Fishbowl 😂😂

I can't see a single guy who commented previously.
Hope to find someone this time.

likefunny

Gonna need a new job soon. Owner is sucking the cash out of this company to buy toys. Who actually hires 50+ year olds anymore? If it helps, I’m great with technology and not afraid of new challenges. Experience with both big and small companies.

like

For all the talks about a biased media, I do believe that they are super important and allow us to know stuff that we otherwise not known. Given that journalists are also quarantined at home, do you feel like there are bad things happening out there now that are not being covered? Eg the Hong Kong protests.

like

Diversity Pattern I keep noticing: pitch decks/campaigns. Half of the photos are of white people.. and the other half are black. No indian, hispanic, muslim & asian representation. It feels incredibly unbalanced. 🧐

likesmart

How can we force our agencies to disclose salaries? Should we fight for pay transparency stats like the UK?

like

Hi fishes, Anyone working or has ever appeared for Amazon Online Assessment for Business Intelligence Engineer. Need some info on what kind of questions do they ask?
Topics mentioned in email are:
1. Statistics
2. Dashboarding
3.SQL
4.R/Python

like

Additional Posts (overall)

Anyone scooping up CDs before rates drop
?? Got rates at 1.8-1.9%

like

Just saw on Twitter

Post Photo
likefunnyhelpful

Looking to speak with financial advisors! I'm an emerging hedge fund manager, about to manage my founder's and their client's capital but I have never had a formal education in the financial advisory space. I come from an accounting background and I'm self-taught in investing

funny

My employer offers health insurance plans with HRA & FSA, but no HSA options. Should I select a high deductible plan to open an HSA outside of employer?

like

Hey guys, I’m a recent college grad, 22 years old, starting out my career in commercial real estate. Started my first job a couple weeks ago and need to figure out my 401k contributions. Should I do all into roth? all into traditional? mix of both (if so, how much % to each)? My company’s max is pretty good (100% match up to 3% of income then 50% match up to 6%). Def will max the match at the minimum but should I do more? Also saving money for real estate investment downpayment. thoughts?

like

What percentage of your income do you (or you as a couple if married) save in HSAs, IRAs, and retirement accounts?

like

Getting married fall of 2023, most vendor payments due by March of 2023. Where would you put savings for payments? I technically have enough to pay my payments in my HYSA already, so should I just be investing instead?

like

Best checking and saving accounts with high yields? I want to try to have both Checking and Savings accounts with the same company. But if not possible, what do you use, and why?

like

If I want to invest 2.5k today as the market is a bit on the lower side. What is the better VTI, VXUS or VUG?

like

First time home owner and my home warranty is expiring tonight. Is it worth renewing? All the appliance and the roof of the house is new. The heating/cooling system(hvac) and plumbing system are old. The house was built in 2007.

like

How much you guys spend on yearly on mortgage taxes or HOA fee if any? Just want to understand these nation wide.

like

I want to know what you would consider as a good net worth to retire from corporate job and only do small gigs or something of you own, I am a 32M with two kids and wife not working. I have a net worth of 1.65M AUD with a debt of 550K on my primary residence.

like

Recommendations for checking accounts? I have Wells Fargo and Chase right now. Looking to close them and move to a different one. Both of the accounts aren’t really serving me

like

Investing in your image: What percent of your salary is your watch, if mid-to-high tier?

(bonus points if it was for your first one)

likefunny

Term or whole life insurance? 30 year old married male, non-smoker

like

Anyone at Kearney want to walk me through how you do a mega back door Roth IRA with your after tax contributions? I’m very confused .

like

Wanted to shoutout to this bowl and the good people here sharing sound advice! Today I hit my first 100k invested in my brokerage account! Would not have even though that was possible a few years ago were it not for people here sharing tips and best practices!
Also wanted to shamelessly celebrate since no one else wants to hear it 😂

like

I had 16k invested in the stock market. Had $500 in ROI but then everything got wiped yesterday and I’m down $800. Most of my money was in tech. I’m reading that ppl are cycling out of tech. What do I do? Sell everything tech related? I just started investing 2 weeks ago

funnylike

Roast my terrible financial progress but appreciate I’m getting there. I’m 30, $130k base, no debt. Below is my financial layout. Your thoughts:

1. $10k equities all bought in March 20, 20% up. All longs
2. $3,800 into VFIAX adding $125 every Monday
3. Roth 401k $35k. $10k OUNZ, $5k gbtc, $20k VFIAX
4. Roth IRA $25k $10k OUNZ, $10k VFIAX $115 a week auto every Monday, $5k GBTC
5. $30k cash, $5k crypto

Expenses are low and saving $3500 a month. Thoughts, besides hating on my GBTC & crypto?

like

Do y’all think Zoom is here to stay? Feel like Microsoft would be able to take them on using Teams video chat function (since most companies have office and teams already). What’s their competitive edge?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy.

Already have an account? Log in

New to Fishbowl?

image with Fishbowl logo and arms reaching out for a handshake

Already have an account? Log in

By continuing you agree to Terms of Use and Privacy Policy.
Messaging rates may apply

For account settings, visit Fishbowl on Desktop Browser or

General

Legal