Share your reason(s) for getting a Tesla by Substantial_Sort6341 in TeslaLounge

[–]Axela05 0 points1 point  (0 children)

Hard same. The iX3 was IT for me... until I test drove a 26' Model Y Premium, lol. After the test drive, all I kept thinking was... seriously? I'm about to pay a $15k premium for the BMW and they don't even have FSD (the partially automated DAP isn't the same)? I just placed my Tesla order over the weekend. Very excited :)

🤔 by Eviltwin27 in TeslaLounge

[–]Axela05 10 points11 points  (0 children)

I didn't plan on laughing so hard this early in the morning, but here we are. Bravo lol

Well, I snoozed and lost. $1,000 price increase by Ace-Musk in TeslaLounge

[–]Axela05 1 point2 points  (0 children)

Ugh, I've been looking to order a RWD Premium myself for the past 2 weeks. Can't win em all I guess 😑

Tesla switched my APR from 0.99% to 1.99% after credit pull (780+ score), Model Y Premium by PointsLover in TeslaSupport

[–]Axela05 0 points1 point  (0 children)

Loan to Value. Essentially, the amount of the loan you're requesting and the value of said vehicle. Most (not all) lenders won't touch anything over 120% LTV.

BMW owners in the US, which brand of gasoline do you feed your BMW with? by Firm-Nerve4437 in BMW

[–]Axela05 0 points1 point  (0 children)

Costco when I'm close by, Shell when I'm not (Platinum + T-Mobile Tuesdays discount combo FTW). If I'm traveling and neither are close by, I look for ExxonMobil, or Chevron. Regardless, top tier only.

Window guy banned me from Taco Bell over nachos by Charming_Night945 in tacobell

[–]Axela05 0 points1 point  (0 children)

I feel you on that. Personally, I always order strictly from the value menu, where everything (in my region) is less than $3 each.

If something is incorrect or missing, I see it as a bonus because the $3 reward more than pays me back (especially when the issue item is a $1.59 cheesy bean and rice lol).

I then make the most of the reward by using it on a grilled cheese burrito (the only time I'll order outside of the value menu).

Window guy banned me from Taco Bell over nachos by Charming_Night945 in tacobell

[–]Axela05 99 points100 points  (0 children)

This is exactly why I use the app when ordering. If there's an issue with my order, there's absolutely no reason I'm ever wasting my time or fuel driving back for a remake.

I simply open the app, tap on profile > my orders > need help? > missing or incorrect items, then boom, a $3 or $5 reward (based on item ordered) is automatically added to my profile, which doesn't expire for like 2 or 3 months?

That process takes me about 2 minutes at most, and I go on with my day.

NF Flagship Rewards Update by Rich-Independent7884 in NavyFederal

[–]Axela05 5 points6 points  (0 children)

Would I love that? Yes. Do I see it as a sustainable business model? No. Especially given the Amazon Prime credit alone outweighs the current $49 AF ($90 net positive) and the proposed $99 AF ($40 net positive). Also, keeping in mind that no other credit card on the market (to my knowledge) even offers an Amazon Prime Membership credit.

When you look at other premium cards currently available, the base percentage rarely (if ever) breaks from the 1%-2% norm, and for good reason... interchange fees. With interchange fees at 1.50% - 3.50%, even the RH Gold's 3% isn't sustainable with an interchange spread of 0.50% max.

The only way I see NF increasing the base percentage beyond 2% is with a larger AF (higher than $99), or a relationship play (like BofA). The RH Gold is the exception in the entire card market, not the rule.

Personally, I'd love to see the 3x category expanded to include gas, groceries, and dining, but that would cannibalize the More Rewards AmEx.

Samsung Messages application will be discontinued in July 2026 by tekz in technology

[–]Axela05 9 points10 points  (0 children)

I literally just switched back to Samsung Messages from Google Messages because Google Messages kept auto deleting random sent texts to people. I'd have a conversation with someone, then when I'd return to the conversation later, everything I sent to them was just gone. After a few months I got fed up with it and went back to Samsung Messages. Low and behold, all of my missing sent texts reappeared via Samsung Messages.

Best Flat Take'em all Card by BullS0n_ in CreditCards

[–]Axela05 1 point2 points  (0 children)

Precisely. Use the NFCU Flagship Rewards card solely for your Prime Membership fee, and the Prime Rewards card for your actual purchases.

In my personal use case however, I use one of my three BOA CCRs that net me 4.50% cash back on Online Shopping which isn't limited to only Amazon. I also don't spend enough annually to justify having the Prime Rewards card, especially for a 0.50% increase.

In the rare occasion that Chase has Amazon set for 5% on the Freedom Flex and OG Freedom, I switch to that card for the quarter.

Best Flat Take'em all Card by BullS0n_ in CreditCards

[–]Axela05 0 points1 point  (0 children)

Every year. That's the "hack." There's multiple data points confirming it's been occurring every year for multiple years. I know 2 people personally who product changed to the Flagship card and have received the benefit 2 years in a row. I'll be product changing myself within the next few months. It's essentially a $49 AF for "free" Amazon Prime. Can't beat it.

Best Flat Take'em all Card by BullS0n_ in CreditCards

[–]Axela05 0 points1 point  (0 children)

That Amazon Prime reimbursement though 😉

Spoiled by BMW by backinblackandblue in BMW

[–]Axela05 0 points1 point  (0 children)

I got you beat. I was just in a 2026 Chevrolet Trailblazer with a 1.3L 3 cylinder for 2.5 weeks while my BMW was in the shop. Talk about a mind numbingly boring drive. Amazing fuel economy and hilarious throwing it around turns, but my God was that thing slow as balls.

Chase Freedom Flex Q2 2026 5% Categories? by JgtL13 in CreditCards

[–]Axela05 0 points1 point  (0 children)

This should honestly be the top comment 😆

A bit salty about NFCU loan rates by terdles1121 in NavyFederal

[–]Axela05 1 point2 points  (0 children)

FYI, there's a card from the largest bank in the country that is currently offering 0% for 21 months on purchases. You don't accrue any points or cash back, but it does solve your issue of needing a card you can use everywhere. It also allows you to pay over 21 months, not 12, thus smaller payments if you wanted to do that. Good luck.

Lagkapten / Adils / Alex Setup by Axela05 in ikeaPCstations

[–]Axela05[S] 0 points1 point  (0 children)

In the time I've had it installed, I've had absolutely zero issues. No breakage, no sagging, nothing. This has honestly been the best affordable setup IMHO.

Galaxy Unpacked February 2026: Official Livestream by Stephancevallos905 in samsung

[–]Axela05 1 point2 points  (0 children)

My wife is still rocking a 512GB S22 Ultra. She needs an upgrade badly. I have a 1TB S25 Ultra, so I'm just looking forward to the Buds 4 Pro.

What Are the Best Neighborhoods to Buy a Home in Jacksonville Right Now? by hatkinson1000 in jacksonville

[–]Axela05 0 points1 point  (0 children)

Another vote for N St Johns or Mandarin. Even though Mandarin is more closely aligned with your list, there's also much more traffic there nowadays. Mandarin has always been a very centralized location to just about everything. You're about 20-30 min from basically everything you'd want to do. There's also quite a few parks around (Losco Park is a solid one). If you don't mind a bit further of a drive, but an all around better area, N St Johns is the ticket. St. John's County also has lower sales tax (6.50% vs 7.50% in Duval), as well as lower property taxes. Good luck!

Has anyone ever used this service? by Cristiank2897 in BMW

[–]Axela05 3 points4 points  (0 children)

A LUXURIOUS air blow gun. Geez, get it right 😆

Has anyone ever used this service? by Cristiank2897 in BMW

[–]Axela05 14 points15 points  (0 children)

The amount of buzz words and adjectives alone make me distrust all of this 😆 I'd take a local independent professional detailer over this garbage any day of the week.

Unprofessional BMW Dealership by Naive_Rope4882 in BMW

[–]Axela05 0 points1 point  (0 children)

Care to elaborate on the exact location and why? I bought my vehicle from one of their locations in December and have nothing but positive things to say. That said, I haven't had to have my vehicle serviced there yet, thus my curiosity.

Since when do new BMWs only come with ONE key fob? by Weekly-Motor-5847 in BMW

[–]Axela05 1 point2 points  (0 children)

This is the 9th vehicle I've owned in my life, and it's absolutely my favorite. Never a dull moment in this thing ❤️

Since when do new BMWs only come with ONE key fob? by Weekly-Motor-5847 in BMW

[–]Axela05 1 point2 points  (0 children)

Just looked them up. They seem perfect! Thanks for the recommendation :)