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Archive for May, 2013

Central Air Quote Update

May 24th, 2013 at 03:37 pm

Thanks to all who had commented on my previous post regarding credit card sign-up bonuses!

So we got an updated price on getting central air installed.

2011 Price = $2,430
2013 Price = $2,870

An increase of $440 in 2 years!

Oh well, the quote was for a Lennox Merit 13ACX (13 SEER, 2 Ton system) w/ Condensate Pump installed etc. I wrote out the 30% check yesterday when I met with the sales person. They will be installing it next Friday (May 31, 2013). There isn't really much time to get DW to sign up for a reward CC, so we will use my Chase Freedom card for 1%. Come to think of it, I should have asked if they even accept credit cards.

I am already adding ways to subsidize the cost of it:

$200 from sale of window a/c, $65 in rewards on my Chase Freedom card already I can cash out for a check, and $150 from sale of home entertainment receiver system I have laying around that is well worth that cost! So, hopefully looking at about $2,455 total spent in the end. Not bad, and slightly less if I can charge the remaining $2,000 on my Chase Freedom Card, plus, it won't be due until mid-July and be able to cash flow with-out touching EF!

Any Good Sign-Up Bonus Cash Credit Cards?

May 22nd, 2013 at 07:57 am

We are looking to possibly subsidize our Central Air purchase with a decent sign-up bonus credit card. Anyone know of any decent ones?

I already have Chase Sapphire ($400 back after $3,000 spend in 3 months) and Chase Freedom ($300 back after $500 spend in 3 months [the good offer!]).

My wife has yet to sign up for any, but Chase Freedom changed their bonus to $100 + 0% On balance Transfers for 15 months and 0% on Purchases for 15 months after $500 spend in 3 months.

The central air quotes back on 6/2011 for the install of central air were $2,100 - $2,350 depending on the manufacturer of the unit, so I am hoping they are still around those numbers. I will know when I meet with the company tomorrow on how much prices have changed in 2 years. A Chase Freedom card in DW's name might work for this.

The Chase Freedom card, unless there is another someone can recommend (looking for cash bonus mostly), sounds like it is top choice. Unfortunately, at least $1,000 of the EF would be used for this if we purchased outright and the EF currently sits at $6,000. However, being the Chase Freedom card is offering 0% for 15 months on purchases, we could float a month or two and cash flow the purchase until July 2013 since there would be no interest. Knowing me, I would just pay in full anyway and be done with it, but I do like to see the EF stay consistent.

Any thoughts?

Mortgage Almost Under $170K!

May 1st, 2013 at 04:58 pm

It looks like the mortgage will be under $170K next payment on June 1, 2013! I can't wait to see that $169,xxx number.

Too bad we are underwater by a good $40K though.

I am going to try to have auto loan under $5K by June 24, 2013.