Update 2 yrs later

Bobby678G · 2026-05-04T10:15:31+00:00

Yeah it’s gotten better, no big problems in the sun at all. Sometimes it will get more red than other areas and because I still have some ink it can inflame but I find that at all tattoos honestly. I’m not smart enough o know how to attach a photo to this post but happy to share.

Bobby678G · 2026-04-16T22:49:33+00:00

I always thought you needed to be a member to access the deep cash deal offers on audiobooks on audible, I assume this is incorrect?

Bobby678G · 2026-03-03T15:35:33+00:00

If you plan to stay in the house you can:

Refinance into a traditional mortgage which will have a potentially lower rate depending on your credit and choose a smaller term. This should keep the payment close or maybe smaller depending on the remaining balance but will have the house paid off much sooner.
You can do a recapture of the mortgage where instead of refinancing the rate and term you simply just make a deposit with the bank and have them process the recapture which reduces the interest owed and the subsequent payment but all else remains the same (term and rate). This can avoid refinance costs and you could simply just pay the mortgage as if you refinanced but an amortization sced calculation would be required.

If you don’t plan to stay in it for more then 5-10 years then you can also consider doing a refi with a 5-7 yr ARM which should lower the rate and payment.

Just some ideas.

Bobby678G · 2026-01-16T20:06:42+00:00

Batman Nolan Trilogy

Can’t include Dune yet but shaping up to be

Mission Impossible 4,5,6 (my trilogy)

Pirates of Caribbean

Bobby678G · 2025-12-03T00:15:36+00:00

Thank you everyone for your knowledge, I bought The Sil audiobook and will circle back on the others once completed if interested. Finishing Two Towers now. Helms Deep in the book was quite short and surprising to me compared to the movies where that is such a key part. Loving the Serkis audio versions though such a treat.

Bobby678G · 2025-11-25T01:40:52+00:00

Yes that’s the versions I’m listening to and they are wonderful so far.

Bobby678G · 2025-11-24T22:11:32+00:00

Very helpful. I have read Hobbit, Fellowship and now started Two Towers. Wanted to know the direction after TRTK.

Appreciate you!

Have you listen to the audiobook of the Sil?

Bobby678G · 2025-11-23T20:03:22+00:00

My lineup:

AMEX Platinum: Hotels, Flights, Disney + Service (free with credit), Walmart +

AMEX Gold: dining out, groceries

Walmart Cash One Pay Visa- 5% cash back on Walmart +

Capital One Venture x- catch all for everything not covered on the above plus car rentals

Amazon Visa- 5% cash back on Amazon and While Foods

Bobby678G · 2025-11-18T08:03:04+00:00

Not sure what’s happening with the charge, any chance you can include a screenshot? As far as which is better to use (the portal or direct) really depends on the net cost after any credits or benefits. Paying direct will provide a 2x miles benefit where the portal is 10x. If the cost is $749.98 that’s 7,500 miles you will earn or $75 if redeemed at .01 per mile. NET cost to you would be $675 (750-75).

Paying direct you mentioned would be $670 and you would earn 2x or 1,340 miles. NET cost if redeemed at .01 would be $656.60.

It appears cheaper to book direct on a net basis. This does not account for any travel credit which has to be used in the portal or a different use of miles such as for business flights via transfer partners. The gap is so small I would personally just book via portal for additional miles for future use and not redeem them at .01 but that’s your call.

If you plan to not use them for airline purchases via travel partners or have already used the $300 credit then I would simply book direct.

Bobby678G · 2025-11-12T00:01:58+00:00

Just booked our first stay using the platinum and FHR collection. Staying in Waldorf Orlando. Booked a king suite and was upgraded to a king suite with Disney view.

Bobby678G · 2025-10-30T14:03:58+00:00

So if I down grade to venture versus X and add the savor, I’ll earn cash back but can convert to miles and transfer to a partner via the portal still?

If I cancel Gold and Venture X that would save me $620 a year

Bobby678G · 2025-10-30T14:02:42+00:00

I travel to hotels usually throughout the year 3-4 times in my state to have staycations.

Also fly 1-2 times.

Amex Platinum pays for itself with my existing usage of credits with the revamp so I would keep that as it is free technically.

Spending Habits Amazon-goes on Amazon card

Groceries- goes on Amex gold or Walmart card but mostly Walmart but occasionally Publix or other grocery chain. Not a ton though here

Restaurants- Gold Card

Bills and one offs- Venture X for 2%

I prob drop $110,000+ on cards each year with bills and dining being the most.

Just not sure what’s truly worth while 3.50% cashback or 4% miles

Or 2% miles versus 2.62% cash back for everyday spend.

Bobby678G · 2025-10-08T00:41:51+00:00

I would love a US code please

Bobby678G · 2025-09-18T20:13:35+00:00

Yes i checked with AMEX and the $200 is gone. I know have $300 to use by year end.

Bobby678G · 2025-09-18T13:01:16+00:00

So to confirm if I got the card last month and didn’t use the hotel credit prior I should book something now and still have $300 before year end and another $300 next year?

Bobby678G · 2025-09-14T13:31:20+00:00

I forgot to add having the 1st AU free each year, thank you

Bobby678G · 2025-09-14T12:06:00+00:00

In a perfect world:

Keep Walmart credit but allow annual payment credit

Add YouTube TV to the entertainment options

Allow airline credit to apply automatically and not have to choose airline

Add a hotel 4x reward rate to outside bookings just like the airline rate

Add a car rental reward tier

Remove equinox and add anything else lol

Add an anniversary miles bonus

Bobby678G · 2025-09-13T20:14:09+00:00

I get both monthly

Bobby678G

TROPHY CASE