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Archive for June, 2016

Memories Stirred

June 7th, 2016 at 07:18 pm

Well the link works but I can't remember how to share the picture so it just shows up here.

Anyway, the link is to a picture my sister sent me last night of me on college graduation day, standing in front of our house before we headed off to the ceremony.

She sent it to me, I guess, because last night I had dinner with my college boyfriend, who I hadn't seen previously in 28 years.

It was wonderful to see him, and the four hours we were together just flew by. An hour of conversation at my house first, then a little bit of a scenic drive up South Mountain to the Lookout, a spot where you can see the whole Lehigh Valley spread out before you with the Poconos in the distance, and then to dinner at a Greek Taverna nearby, where my old boyfriend showed off his knowledge of wine in picking out a bottle for us to share, and I introduced him to the fun of saganaki, the classic Greek flaming cheese appetizer, always introduced with a "Ooopa!"

Then I drove him through downtown, pleasantly lit with old gas lamps year round, to show off my city a bit.

It was fun to reminisce about fun during our college days--going to see the Rocky Horror Picture Show at a midnight showing at a movie theatre on Sunset Strip, his teaching me to use chopsticks at a Chinese restaurant, our student government days--and to talk about our families and the one mentor from college we have both kept in touch with, still teaching there part-time at age 76--and to share stories of some of the life experiences that have shaped us since the time we last met back in 1988, when he was working in D.C. for a year and I had a job interview in the city in the morning and a free afternoon. Back then he had been married for just a few years and was childless; now he has three grown daughters.

It was also enjoyable to learn about how we have both grown and changed--in simpatico if not similar ways. This isn't always true. Later this week I will be returning a phone call received from my very first childhood crush (at age 10), someone whom I never dated but whom I have been close friends with, whom I still adore, but whose life has diverged from mine in directions that it is easier for us just not to talk about (politics, for example).

I am usually one to look forward rather than back, but I am feeling a little heartsore this morning--glad to have had the chance to reconnect, sorry it was so short and that there will not likely be many chances to meet up again as we live on opposite coasts. (Not there is any romantic possibility here; just the rekindling of an old friendship and the disinternment of some old long-buried memories.

American Blue Cash Preferred

June 4th, 2016 at 11:44 pm

I saw a pop-up ad on this site for the above-mentioned card when reading some entries about debt and clicked through to the offer. 6% back on groceries (based on up to $6,000 of spending, which is close to my grocery budget for the year), as well as 3% on gas and select department stores, 1% on everything else and 1% on everything after the $6,000 spending limit is reached. That's quite good, and NerdWallet had a postive review. My credit score has rebounded back to 814 after dipping down below 800 when I opened the HELOC six months ago, so this seemed worth it--even though there IS a $75 annual fee. There's also a $250 joining bonus if you get the right click-through ad AND spend $1,000 on the card within the first three months. No problem for me to spend $1,000 on groceries over 3 months, unfortunately--my average for the past year is $380 per month, or $1,140 over 3 months. Even if I just use it for groceries, with the 6% cash back and minus the $75 fee, that's net positive $200 over the course of a year, PLUS the $250 signing bonus if earned. So we'll see. Still waiting on approval--although the site says a 30-second decision, I received a screen asking for me to call in at the end of my application--and then, because I called in after 4:30 pm on Saturday, I'm stuck waiting until Monday for the decision.

I find that more and more I'm segregating spending for certain items onto certain cards: I have a debit card linked to a checking account that I keep at a low balance (and not linked to my main checking account, given the potential limits on debit card reimbursements if the card is stolen) which I use to give myself an eating and entertainment budget. Then, if approved, the AmEx will be used for groceries. I buy at least half my clothing at LLBean and I use their Visa card for that, in order to earn the $10 coupons. (The LLBean card also had great 0% balance transfer offers back during the few years I was using those heavily.) The rest of my CC spending--my monthly gym fee, gasoline, professional association dues, my monthly phone and cable bill, and shopping, goes on a Visa card through my main bank and give me a $25 credit towards my mortgage for every $2,500 I spend on that card. So I'll probably earn $50 less in mortgage credit by moving the grocery card spending to the AmEx account, but I'll definitely be using the cash bonus to pay down debt so it's all to my new benefit.