What are you doing?

[Dawgluver]

Costco day...

Can I add a few things to the list?

PF, do you have the Costco Amex card? The perks look great. I usually write a check there, as they don't take Visa.

 

[pacanis]

Yeah, that one steak with the truffle butter really caught my eye.

I just finished cutting, trimming, curing and wrapping a pork loin. Now I'm trying to find a good movie. I've watched about ten minutes on two so far; Officer Down which was pretty stupid and Gun Shy, which was even more stupid. Liam Neeson in a comedy just wasn't doing it for me. I didn't even stick around long enough to see Sandra Bullock. If I have to watch Miracle again and going to check myself.

 

[Andy M.]

Can I add a few things to the list?

PF, do you have the Costco Amex card? The perks look great. I usually write a check there, as they don't take Visa.

It's either Amex or debit for cards. Cash is also welcome.

 

[Dawgluver]

It's either Amex or debit for cards. Cash is also welcome.

Thanks Andy. Didn't realize about debit card.

I think I will apply for the Costco Amex. No annual fee, and you get 1-5% cash back.

 

[Rocklobster]

Right now I have just returned from work and am nursing a bit of a hangover. I was out last night at a Hogfest in my home town and stayed for the dance. Ran into a lot of old friends, so I had a couple of beers. Not many, just late ones. Then came straight home to bed and only got 5 hours sleep.

 

[PrincessFiona60]

Can I add a few things to the list?

PF, do you have the Costco Amex card? The perks look great. I usually write a check there, as they don't take Visa.

No, I just use my debit card. Went for V-8 and toilet paper, we also picked up rotisserie chicken and mashed potatoes. Then a little wandering ended up with Mango Nectar and Orange/Lemon San Pelligrino. No books caught our eye and we got back home early. I'm off to the grocery store for Popsicles, Pepsi and frozen broccoli or spinach.

 

[Andy M.]

Thanks Andy. Didn't realize about debit card.

I think I will apply for the Costco Amex. No annual fee, and you get 1-5% cash back.

I don't like to have too many CCs. Not good for your credit rating. When Costco first started pushing Amex, I thought there was a fee. I guess they changed it.

 

[Dawgluver]

I don't like to have too many CCs. Not good for your credit rating. When Costco first started pushing Amex, I thought there was a fee. I guess they changed it.

I agree. We're looking to swap out a hotel CC that has an annual fee that we've had forever but rarely use. We do like the Chase Freedom, which gives quarterly cash back rebates of 1-5%. We use the debit card for when we go out of the country, they rebate the ATM fees.

 

[Andy M.]

We have Capital One Venture cards. Two points for every dollar spent. We use them for EVERYTHING and accumulate points that pays for our airfare to Aruba and sometimes the car rental too. Even better, SO uses hers when she shops for the family she works for and really racks up the points. They spend a lot more than we do.

 

[Andy M.]

Finished sanding the old finish off the deck and hosed it off. Tomorrow morning it gets a coat of paint. Depending on the forecast for thunderstorms, coat two may be Monday or Tuesday.

 

[Dawgluver]

I've heard the Capital One card has great perks. Do they rebate the out-of-country ATM fees? Charles Schwab debit card does, it's one of the few that does that world-wide.

 

[Andy M.]

I've heard the Capital One card has great perks. Do they rebate the out-of-country ATM fees? Charles Schwab debit card does, it's one of the few that does that world-wide.

Our debit cards are with a credit union and they refund ATM fees in the US. I've never used a debit card outside the country. The Capital One cards are credit cards. We use them in Aruba and Canada. They do not charge a currency conversion fee. Many credit cards do.

I wouldn't use a credit card for cash, as cash advance fees are steep. When we travel, we use the credit card as much as possible. Restaurants, groceries, rental car, jewelry and souvenirs in established stores. Cash is for casinos and little vendor stalls where cash is the only option. That way we have a record of everything and accumulate even more points on the vacation paid for by points.

That leaves us with all that unused cash in the bank to pay off the CC balance so we don't have to pay interest.

 

[Dawgluver]

Our debit cards are with a credit union and they refund ATM fees in the US. I've never used a debit card outside the country. The Capital One cards are credit cards. We use them in Aruba and Canada. They do not charge a currency conversion fee. Many credit cards do.

I wouldn't use a credit card for cash, as cash advance fees are steep. When we travel, we use the credit card as much as possible. Restaurants, groceries, rental car, jewelry and souvenirs in established stores. Cash is for casinos and little vendor stalls where cash is the only option. That way we have a record of everything and accumulate even more points on the vacation paid for by points.

That leaves us with all that unused cash in the bank to pay off the CC balance so we don't have to pay interest.

That's why I like Schwab debit. No fees to get cash from the ATM machines in Mexico, or anywhere else, and they refund the currency conversion. Using a CC to get cash from an ATM is ridiculously expensive.

We got 3 free trips to Hawaii with our Marriott points, including airfare and hotels, though it was a royal pain to book them. That was in the pre-internet days.

 

[purple.alien.giraffe]

I was just drooling over these
Mouthwatering steaks with an unusual twist

If I weren't already full this would have made me hungry.

 

[Somebunny]

Can I add a few things to the list?

PF, do you have the Costco Amex card? The perks look great. I usually write a check there, as they don't take Visa.

Dawg, PF must still be out shopping....we have the Costco Amex card. There are a lot of perks. We use it for everything, even pay our utility bills, insurance, cell phone bills etc. this means we get the most out of those "perks". 1,2 &3% back. We had enough of a rebate this Spring to buy 6 new batteries for the motorhome (they are pricey). I would pay my mortgage with it if I could! Of course we pay it off in full each month, I wouldn't suggest any credit card to anyone who wasn't prepared to do that. Credit card debt is out if control in this Country as well as Canada.

 

[Dawgluver]

Dawg, PF must still be out shopping....we have the Costco Amex card. There are a lot of perks. We use it for everything, even pay our utility bills, insurance, cell phone bills etc. this means we get the most out of those "perks". 1,2 &3% back. We had enough of a rebate this Spring to buy 6 new batteries for the motorhome (they are pricey). I would pay my mortgage with it if I could! Of course we pay it off in full each month, I wouldn't suggest any credit card to anyone who wasn't prepared to do that. Credit card debt is out if control in this Country as well as Canada.

Thanks Bunny! I think I'll do it. We always pay off our balance each month too. Auto-pay is a marvelous thing!

 

[Addie]

I have a credit union debit card and a Capital One cc. My credit union covers my first ten cash withdrawals at a foreign atm. And I get cash back on my Cap. One cc. When it reaches $25 I have it applied to the balance. I can't remember the last time I withdrew cash from an atm. I usually get cash back when I use the debit card to pay for a purchase. I still have the ten dollar bill that I got back April 4th when I went grocery shopping. Along with the ten dollar bill for May and June. Spike runs all my errands for me, so I don't know why I keep getting cash back. I guess mostly to buy coffee when I go for a medical appointment. There will be no cash back in July when I go grocery shopping.

I also have a Sears and JCPenney charge card. I never use them. Every five years I get a notice from Sears that if I fail to use my card in the next 30 days they will close my account. So Spike and I put our heads together to think of something he wants for himself or Teddy and I order it. Then he or I pay it off when the bill comes in. I bought him his Soda Stream the last time. I use my JCP card to order special clothing items for a special event. That too gets paid off when the bill comes in. I think the next purchase I make with my Sears card will be a new iron. I have a Euro Pro with a separate water tank. It has become just too heavy for me to lift anymore. So a simple iron will do now. The Euro Pro will go to The Pirate when he gets his new apartment.

On a fixed income, I really have to pick and choose wisely how I use my credit.

 

[PrincessFiona60]

Dawg, PF must still be out shopping....we have the Costco Amex card. There are a lot of perks. We use it for everything, even pay our utility bills, insurance, cell phone bills etc. this means we get the most out of those "perks". 1,2 &3% back. We had enough of a rebate this Spring to buy 6 new batteries for the motorhome (they are pricey). I would pay my mortgage with it if I could! Of course we pay it off in full each month, I wouldn't suggest any credit card to anyone who wasn't prepared to do that. Credit card debt is out if control in this Country as well as Canada.

What, no...I got back hours ago and posted my answer...

 

[Dawgluver]

What, no...I got back hours ago and posted my answer...

Yes, I saw it! Thanks PF!

How the heck did you not spend longer at Costco? You were like, in and out. Must be because ours is 45 minutes away, we spend hours.

 

[bethzaring]

okay kids, still chuckling over this afternoons adventure....went to a free greatest hits of opera arias, started out with 1700's arias, then for something completely different switched to a 1900 aria...didn't really get what was completely different LOL...really beautiful voices but not my genre

going to a free folk concert tonight at a bar, thinking this will be more my style