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Old 02-15-2019, 03:51 PM   #31  
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Originally Posted by DirkDiggler View Post
Says the XJT lifer?
Nice try. Look in the mirror. Things went exactly according to plan, didnít they?
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Old 02-15-2019, 04:39 PM   #32  
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If you upgrade and end up at LGA is t that good since your moving back east anyway?
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Old 02-15-2019, 06:51 PM   #33  
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If you upgrade and end up at LGA is t that good since your moving back east anyway?
The original poster came to that conclusion several posts ago. All the rest of this is just banter. Once he gets his 1,000 TPIC at SkyWest, he is pretty well set to move on to either Delta or Southwest.
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Old 02-16-2019, 06:41 AM   #34  
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Dave Ramsey would frown at the advice you gave: refinance debt and not cancel your credit cards.
Dave Ramsey is not right about everything. Credit cards have many advantages over cash or debit, if you have the discipline to not carry a balance.

I pay every bill and purchase I can with a no-fee credit card and use the reward points for airline tickets and over $1,000 a year in lowes gift cards which gives me $50 for $40 worth of points. Just don't carry a balance. Pay it off every month.

Further-disciplined use of a credit card helps build a good credit rating which these days afffects more than credit, ranging from insurance, qualifying for a mortgage, to employment opportunities.
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Old 02-16-2019, 11:51 AM   #35  
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Dave Ramsey is not right about everything. Credit cards have many advantages over cash or debit, if you have the discipline to not carry a balance.

I pay every bill and purchase I can with a no-fee credit card and use the reward points for airline tickets and over $1,000 a year in lowes gift cards which gives me $50 for $40 worth of points. Just don't carry a balance. Pay it off every month.

Further-disciplined use of a credit card helps build a good credit rating which these days afffects more than credit, ranging from insurance, qualifying for a mortgage, to employment opportunities.

Yeah, you can hack the CC Rewards System pretty hard (I do), but one time of not paying your Balance off every month can bite pretty hard. This is when they hack you.
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Old 02-16-2019, 12:12 PM   #36  
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Set card to auto-pay entire balance each month upon activation.
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Old 02-16-2019, 03:01 PM   #37  
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Would a new hire get any benefit of coming today? I have two class dates and Iím leaning on taking XJT due to higher pay and the likelihood of loggining more flight time.
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Old 02-16-2019, 06:04 PM   #38  
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Dave Ramsey is not right about everything. Credit cards have many advantages over cash or debit, if you have the discipline to not carry a balance.



I pay every bill and purchase I can with a no-fee credit card and use the reward points for airline tickets and over $1,000 a year in lowes gift cards which gives me $50 for $40 worth of points. Just don't carry a balance. Pay it off every month.



Further-disciplined use of a credit card helps build a good credit rating which these days afffects more than credit, ranging from insurance, qualifying for a mortgage, to employment opportunities.

I agree that he isnít necessarily right for everyoneís circumstances. I believe he gives advice to the lowest common denominator. As an example of something I donít agree with him on is not getting a mortgage unless you can put 20% down on a conventional 15 year term with a PITI of no more than 25% of your monthly gross income. I only replied to your post because you mentioned bragging to Ramsey. He wouldnít approve of your advice.
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