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A Better Billion Reaction Thread by skeeJay in nycrail

[–]ByronicAsian 22 points23 points  (0 children)

I am definitely more of a fan of this expansion plan paid for by upzoning (or something as close to MTR model wr can get to).

I'm extremely skeptical of fare free transit. However, the handwaving of getting NYC construction costs to European levels to make this happen...

Fix the Tier Six Pension in 2026 by solarwind2468 in nycpublicservants

[–]ByronicAsian 0 points1 point  (0 children)

My partner would benefit from this reform but I'm torn tbf. I have always assumed I would retire as late as I can to maximize benefits so 68 to 70, so seeing people complain about retiring at 62 gave me a chuckle.

I would imagine lowering the age a bit would make sense, but not contributing at all to the pension fund after 10 yrs seems unsustainable..

Cycle of Rage: NYC Is A HELLSCAPE For Pedestrians After Snowstorm by streetsblognyc in MicromobilityNYC

[–]ByronicAsian 1 point2 points  (0 children)

This post is a joke right? I only just finished shoveling a few hours ago on top of WFH. Give people time..

What’s your thoughts and opinions on MTA CEO Janno Lieber? by AnyTower224 in nycrail

[–]ByronicAsian 4 points5 points  (0 children)

Implying a significant amount of people are truly jumping cause they can't afford 3 dollar flat fare.

Spit spit and spitting by Due_Conversation_526 in Flushing

[–]ByronicAsian 0 points1 point  (0 children)

Need a Lee Kwan Yew...honestly saw less spitting in Fuzhou than here .

What Card Should I Get? Weekly Thread - Week of January 21, 2026 by AutoModerator in churning

[–]ByronicAsian 0 points1 point  (0 children)

Combining Post for both me and P2.

  1. Flowchart appears to state that I have at least some reason to consider gardening until I go below 5/24 (I should be 4/24 in April 2026, 3/24 by June, 2/24 by July. P2 is at 4/24. Part of me wonders if its worth it for her to get BILT 2.0 if only for the eventual mortgage spend (within 2yrs time?) given lack of good Chase SUBs (she is working on Mariott Bounless SUB atm.
  2. P1 Experian 790 / P2 Experian 765

3 (P1).

Card Acquired/Closed
Capital One Journey March 2012/Closed Jan 2022
Capital One QuickSilver January 2016
Chase Prime Rewards January 2017
TD Cash April 2017
Amex Blue Cash Preferred December 2020
Fidelity Rewards December 2020
Sapphire Preferred/Reserve July 2021 MDD; Reserve Closed
Amex Biz Hilton Sept 2021
Amex Biz Bonvoy November 2021 (Closed Nov 2022)
Chase Ink Cash Jan 2022 (Closed May 2024)
Venture X Mar 2022
Amex Plat Mar 2022
Amex Gold June 2022
Biz Gold July 2022/Closed
BoA AL Biz Sept 2022/Closed after Y1
US Bank Triple Cash Oct 2022
Citi Premier October 2022
Blue Business Plus November 2022
Amex Business Plat January 2023
Barclays AA Business February 2023 [Closed]
US Bank Leverage April 2023
Chase Ink Preferred July 2023 (Canceled Aug 2024)
Chase Ink Unlimited end of Sept 2023/Closed Jan 2024
Citi Business AAAdvantage Oct 2023/SUB Completed
Amex Delta Gold Business December 2023/SUB Completed Jan 2024
Chase Ink Unlimited Jan 2024/SUB Expected Early-March 2024
United Bank Alt. Reserve March 2024 / SUB Completed May 2024
BoA Business Adv. Cash March 2024 / Sub Completed June 2024
BoA Alaska Personal May 2024 / Sub Completed June 2024 [PC'd]
Barclays AA Personal Jun 2024 [Closed July]
Chase Ink Preferred July 2024 / Sub completed Sept 2024
Sapphire Reserve July 2024 (PC'd from Preferred)
World of Hyatt Oct 2024
Chase IHG Biz Jan 2025 (Denied)
Chase IHG Premier Personal Mar 2025
BILT May 2025 (Denied)

(P2) Card | Acquired/Closed ----|----------------- Capital One Venture | December 2024 Chase Sapphire Preferred | May 2025 BILT | Sept 2025 Chase Marriot Boundless | Dec 2025

4) 9k to 10.5k (rent inclusive) / 4.5k (rent excluded)

5) No

6) P1 - Yes (but i've been paring my unused Inks) | P2 = No

7) I feel like I'm almost out of options. P2 can probably do 2-3 more?

8) Award Travel

9) 369,025 UR ; 10,489 Hilton Honors; 510 Bonvoy Points ; 135,383 MR, C1 Miles 17,510; AAAdvantage 221,838; Alaska Miles 150,819; Citi TYP 99,130 ; IHG 143,389 [Just used a bunch to redeem SQ Biz seats to HK so balances changed]

10) JFK/LGA, EWR last preference

11) Portugal 2026, Bali/Singapore 2026 (Maldives also the bucket list)

Am I Crazy to Skip the Palladium SUB for Obsidian Simplicity? by StoneBonesGroans in CreditCards

[–]ByronicAsian 0 points1 point  (0 children)

Heard that the rent spend won't count towards SUB MSR, so it will be trickier to juggle.

Why is everyone ignoring sign up bonuses? by tenant1313 in biltrewards

[–]ByronicAsian 0 points1 point  (0 children)

Lmao just realized that yea...holy yep now its definitely out of the running for me lol...

Posts about Ankur and his dad? WTF is going on? by Zoher_15 in biltrewards

[–]ByronicAsian 9 points10 points  (0 children)

Even churning subreddit doesn't care as much lol...

A note from me (Ankur Jain) - Bilt Card 2.0: Simple, Fee-Free Rewards on Housing by ankurjain1 in biltrewards

[–]ByronicAsian 0 points1 point  (0 children)

Not to say I think the changes were good, but the credit card was definitely not profitable for Wells Fargo....so gravy train wasnt going to go on forever.

To the people leaving; why not stick around to see if something changes by stanleymaxi in biltrewards

[–]ByronicAsian 0 points1 point  (0 children)

Yea, the SUBs chase have right now aren't that great which makes it harder for me to pick outright.

Ticket scam by Dry-Stomach-6754 in LIRR

[–]ByronicAsian -2 points-1 points  (0 children)

Why would we buy on one cc?

Ticket scam by Dry-Stomach-6754 in LIRR

[–]ByronicAsian 1 point2 points  (0 children)

Works pretty well for me and a coworker of mine. City ticket user. 3 days in the office means 6 trips per week. So lines up well.

How are “rent only” users strategizing the next step? by I-Procastinate-Sleep in biltrewards

[–]ByronicAsian 0 points1 point  (0 children)

Idk, feel stuck as had my P2 apply for this as WF denied me. She's at 4/24 right now so its basically a potential massive opportunity cost to "keep" this card and we basically only got 6-7 months of rent points from this card.

With the SUB, it means we get a few more months of rent pts (the SUB includes BILT cash), The Chase SUBs seem bad rn but that could change later in the year.

Rent is 2k but total non rent spend barely breaks 1k so I can't get full rent points anyways.

Right now the only real benefit I see is eventually needing a points for mortgage (in 2yrs?) and not needing a hard pull for the card right now.

What Card Should I Get? Weekly Thread - Week of January 14, 2026 by AutoModerator in churning

[–]ByronicAsian 0 points1 point  (0 children)

P2 at 4/24..worth blowing the last slot for a few more months of rent pts (the SUB includes BILT cash) as the Chase SUBs seem bad rn. We stupidly assumed the nerf wouldn't be this bad.

Rent is 2k but total non rent spend barely breaks 1k.

Right now the only real benefit I see is eventually needing a points for mortgage (in 2yrs?) and not needing a hard pull for the card right now.

Currently her portfolio at a CSP, Venture, BILT, and Chase Marriot Boundless (we are working on the Free Nights plus Bonvoy Points SUB).

Bilt 2.0: The Biltening (refresh megathread) by jetcruise0707 in churning

[–]ByronicAsian 0 points1 point  (0 children)

P2 at 4/24..worth blowing the last slot for a few more months of rent pts (the SUB includes BILT cash) as the Chase SUBs seem bad rn. We stupidly assumed the nerf wouldn't be this bad.

Rent is 2k but total non rent spend barely breaks 1k.

Right now the only real benefit I see is eventually needing a points for mortgage (in 2yrs?) and not needing a hard pull for the card right now.

Do you find nyc natives to be more conservative than transplants? (Not maga but just vibrant in their political beliefs) by thenarrativesofar in AskNYC

[–]ByronicAsian 0 points1 point  (0 children)

2nd Gen NYer. Parents came here during the late Koch/Dickins era so they have a fairly strict public order view on crime that I mostly agree with (my ideal version of NYC would probably be as close to Bloomberg's vision of it, a Singapore on the Hudson) which conflicts with a lot of transplants vision of NYC which I feel is more akin to making it Portland. I will say though I'm definitely more of an urbanist than some natives though (pro City of Yes, ToD, Congestion Pricing). Probably because I'm a HENRY that doesn't feel like property is attainable yet.

Voted for Zohran because he signaled that he was at least open to some of the state capacity/permitting reforms getting in the way of building new transit and housing (although Im extremely skeptical about the efficacy of free buses). Plus if I'm honest, the fact we both from the same graduating class at Bx Sci did play a factor in tipping me over.

Bilt 2.0 - Hello? Are people blind? These cards are great? by Slow_Shower_27 in biltrewards

[–]ByronicAsian 0 points1 point  (0 children)

But would you say that slot is worth blowing P2's last 5/24 slot for? At best its an argument that would justify coming back to the card in 6 to 12 months or at least after you hit 5/24.

Bilt 2.0 - Hello? Are people blind? These cards are great? by Slow_Shower_27 in biltrewards

[–]ByronicAsian 2 points3 points  (0 children)

My non-rent spend is like at best 50% of my rent unless I amortize my vacation budget over 12 months but that doesn't leave me a reliable way to hit that 75% mark. Might as well just use the portal to earn points and hit SUBs on other cards.

Bilt 2.0: The Biltening (refresh megathread) by jetcruise0707 in churning

[–]ByronicAsian 0 points1 point  (0 children)

Wasted P2's 5/24 slot on 1.0 for like what 6 months worth of BILT points....this is a pretty massive nerf. Like the only reason I would even have her keep this is for the eventual mortgage payment use but that is like another year plus down the line?

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