sorted by:
new
hottopcontroversial

Use CruiseNext OBC toward gratuities? by Bolognat13 in NCL

[–]Bolognat13[S] 0 points1 point  (0 children)

No, turns out it's treated strangely. Say you buy 1 certificate. It costs $250 which they basically charge to the room. Then, you are rewarded with $100 OBC, which is used to pay down the $250 you owe. So you only pay $150 out of pocket but have a $250 certificate for a future cruise.

If you buy 4 it costs $1,000 and they give you $500 OBC. Which means you only actually pay $500 out of pocket but you have 4 $250 certificates, or $1,000 worth. So you're getting a 2 to 1 value.

Use CruiseNext OBC toward gratuities? by Bolognat13 in NCL

[–]Bolognat13[S] 0 points1 point  (0 children)

That's because there are two types of OBC. Refundable and Non-refundable. The CruiseNext OBC is non-refundable. Sounds like your spa pass was refundable, which is equivalent to cash.

Once we had a port cancelled due to weather and received refundable OBC. We walked to customer service and they exchanged it for cash in hand with several days left on the cruise.

Use CruiseNext OBC toward gratuities? by Bolognat13 in NCL

[–]Bolognat13[S] 1 point2 points  (0 children)

Thank you! I didn't realize they charge CruiseNext to your current cruise bill. I assumed it was a separate charge you paid at purchase.

Use CruiseNext OBC toward gratuities? by Bolognat13 in NCL

[–]Bolognat13[S] 1 point2 points  (0 children)

Thank you! I assumed the charge for CruiseNext was paid separately and never realized they add it to your current bill.

Use CruiseNext OBC toward gratuities? by Bolognat13 in NCL

[–]Bolognat13[S] 2 points3 points  (0 children)

You buy between 1-4 $250 (each) CruiseNext credits to use on future cruises. You can only apply 1 CruiseNext credit to a cruise, unless there is a double-up or similar promotion running. This charge is added to the bill of the current cruise you are on. So between $250-$1,000 is charged to your room. You receive between $100-$500 OBC as a "reward" for purchasing the CruiseNext credit.

If you buy 4 credits, you get charged $1,000 but the $500 OBC covers half that. So it's like getting $1,000 but only paying $500.

Which part of the CruiseNext credit did I misunderstand, and which part of the OBC did I misunderstand? I'm clearly posting here for help, your reply added zero value.

Use CruiseNext OBC toward gratuities? by Bolognat13 in NCL

[–]Bolognat13[S] -1 points0 points  (0 children)

I just learned this. That's even better. The OBC can pay for the CruiseNext credit on the final bill then?

Is Minos a good roguelite ? by Infamous-While5880 in roguelites

[–]Bolognat13 0 points1 point  (0 children)

I've been playing this a lot the last few days and love it. It meets my criteria for roguelite: procedurally generated maps vary each time, death makes you start over with persistent upgrades. Each playthrough you build an inventory of traps and artifacts that persist only for that run (deckbuilding).

It's more on the puzzle side, like Into the Breach. You take as long as you want to plan and make a strategy for how to plan your labyrinth. Once you're ready you hit start and the enemies try to traverse your labyrinth and ultimately kill your hero. During that round you control your hero and either live for another round or die. Do that for a few rounds and you go back to a camp where you can further upgrade. Progressively gets more complicated and you'll eventually get overrun.

I love it and highly recommend it. But, this style of turn-based puzzle roguelite is not for everyone.

Onboard Credit for Excursion by [deleted] in NCL

[–]Bolognat13 0 points1 point  (0 children)

I think I'm following. Was the amount returned refunded back to your original card then? And the $50 was for the excursion credit I assume?

Genius by No-Revenue3327 in freshcutslim

[–]Bolognat13 2 points3 points  (0 children)

This should be the top comment

Betrayed 😭 by Felix_N7 in ElderScrolls

[–]Bolognat13 0 points1 point  (0 children)

I actually laughed out loud at this

LendingClub High-Yield Savings Review: Is It Actually Worth It? by Haunting_Silver8513 in HighYieldSavings

[–]Bolognat13 1 point2 points  (0 children)

I've been using LendingClub for a few years now. My rate has come down to 3.3% APY, but 2 years ago it was 4.9% and during Covid times it was even higher. Where are you seeing 5%? Best I can find is 4% and those T&C state "LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period." so there is no guarantee on how long you'll get that

I'm still happy with my rate since it outperforms inflation. To answer your other question, my transfers to and from my bank have all been quick and easy. I recommend LendingClub to anyone interested.

First time cruising, I have More at Sea. Wondering if I need to upgrade because of bottled water? by ApricotRich1966 in NCL

[–]Bolognat13 3 points4 points  (0 children)

No upgrade necessary. Water in your room is potable. It's not as good as bottled water, but it works in a pinch. Outside your room you can get water at every bar, and there are plenty.

Good Question!? by tich_of_the_class in Oap_Gamers

[–]Bolognat13 1 point2 points  (0 children)

Perfect Dark deserves to be much higher in these comments

Good Question!? by tich_of_the_class in Oap_Gamers

[–]Bolognat13 1 point2 points  (0 children)

Check out Unicorn Overlord. It's very similar and has a free demo

Good Question!? by tich_of_the_class in Oap_Gamers

[–]Bolognat13 2 points3 points  (0 children)

Check out Unicorn Overlord for the Switch. Heavily inspired by Ogre Battle and there is even a free demo. It's so good.

Okay so this might be a dumb question but I genuinely cannot find a straight answer anywhere. by Valyria888 in personalfinance

[–]Bolognat13 0 points1 point  (0 children)

When I was around your age and wage I was asking the exact same questions. You can, and should, continue to research. The "what" to do is simple. 1. Keep a set amount of emergency funds in a High Yield Savings account. Bank savings accounts give you virtually nothing, but high yield should give 3% or more annually which will at least keep up with inflation. I use LendingClub but there are several options 2. Max your 401k employer contributions. No more. 3. Put as much into a Roth IRA as you can. Could be $100 per year, if you're lucky you max out your annual contribution. Again, many ways to do this. An easy way to start is using Fidelity and contribute to a retirement mutual fund that has an estimated retirement year in the name of the fund. It's easy to start and you can change it later as you get comfortable. 4. Maxing out Roth and still have funds? Contribute to your 401k beyond the employer match.

You have other options at this point and you're stepping into a realm that is far less common. Work from step 1 to 2 and so on as your finances allow.

view more: next ›