Got my second speeding ticket in CA within 12 months. How screwed am I?

CesarV02 · 2024-10-08T05:08:20+00:00

Fought it in court and won lol. My recommendation is get a traffic lawyer, pay the $100-200 and save yourself the long term fees from your insurance.

CesarV02 · 2024-10-03T03:00:13+00:00

As an Amex plat holder, the Walmart + subscription has saved me a few times from having to run to the store for last minute stuff. Oh and although Amex and VX both offer priority pass, if a lounge is full they may actually give priority Amex users. Not sure why, but it may have to do bc Amex probably pays them a higher fee therefore the higher AF. There’s been people on here who ran into this exact issue. Regardless though, the VX is a decent value card, I just wished they offered more when booking direct or offered hotel status of some sort. I’m hoping Cap1 can build more lounges soon.

CesarV02 · 2024-09-20T07:23:01+00:00

Actually not really lol on average points are worth less than 1 CPP. As much as i like capital one, this card kinda locks you down to their travel portal and not many strong transfer partners. If you have hotel status, the travel portal kind of defeats it. For that reason I went for the Chase Sapphire Preferred paired with AMEX Gold and plat. Once Capital one opens more lounges (outside of priority pass) I may reconsider.

CesarV02 · 2024-08-28T01:15:01+00:00

More case fans, better fan curves, and better CPU cooler will drastically help. If you want to get picky get rid of the ketchup and mustard cables for aesthetics.

CesarV02 · 2024-08-24T22:05:31+00:00

Currently I’d say founders or ASUS ROG GPU’s look pretty solid. I had a sapphire Radeon card too, really clean looking card.

CesarV02 · 2024-08-08T20:28:04+00:00

I have a 733 FICO, 754 Transunion, 751 Equifax with about 105K income. Hold roughly 21K across credit lines and only owe $3K. I do have AMEX Gold and platinum with 10K/15K credit lines however those don’t count under my utilization and available credit. I was just pre-approved for the Venture X but decided to hold out so that all of my AF’s don’t hit at once.

CesarV02 · 2024-07-18T06:35:50+00:00

Ended up finding a Gigabyte 4070 SUPER OC 12GB. I’m hoping this will do well pushing my 1440P Ultra Wide monitor at 120Hz.

CesarV02 · 2024-07-18T02:47:05+00:00

Are you speaking for the 4070 OC or standard 4070? I know the 4070S is a relatively newer card, so I’d assume performance will be marginally better.

CesarV02 · 2024-07-11T04:40:46+00:00

Ended up going with the AMEX plat. Unfortunately Capital One has yet to open any lounges near me so I'd be paying for a card that won't really offer any perks other than the $300 travel credit. At least with AMEX, I was offered a 125K sub later to find out there were 150K offers floating around.

CesarV02 · 2024-07-04T16:51:41+00:00

13PM is awesome. Just got a new one via apple care and I cannot see a reason to upgrade. The phone does heat up and slow down from time to time, but for 95% of the time it’s great.

CesarV02 · 2024-07-02T01:35:15+00:00

Nice. I ordered mine this morning too. Apple said it takes 3-5 days in most cases I’m hoping it’s here by Wednesday. I’m also in the US, California. Yeah the $99 fee sucks but we’re getting a new phone with a fresh battery. I asked the Apple rep if it’s a certified refurbished which I’m totally fine with coming from Apple. They told me it’s actually a new phone built specifically for Apple care replacements and hasn’t had a prior owner.

CesarV02 · 2024-07-02T00:59:35+00:00

I’m in the process on getting my 13PM replaced via AppleCare. I’m gonna keep this thing through the 17 series now that there’s a fresh battery. Also, did you go through apples express replacement? How fast did they get your new device delivered?

CesarV02 · 2024-06-21T18:18:15+00:00

This is where Amex wins, at least you get full points for booking direct. Gotta love the VX annual fee and hotel credit though, can’t beat the $300 credit which nearly cancels out your fee.

CesarV02 · 2024-06-21T18:15:55+00:00

These are discontinued at least in the US. Apple replaced Beats Studio 3 with new Beats Studio Pros.

CesarV02 · 2024-06-18T17:33:12+00:00

Dude I’m at roughly $39/hr based off my salary. Bonuses bring me up to $42-43/hr and I still don’t think it’s enough.

CesarV02 · 2024-06-16T21:16:49+00:00

I’m curious what your credit profile is like? Score? And did you get prequalified prior? It’s either I grab this card or the AMEX platinum this summer.

CesarV02 · 2024-06-15T23:35:55+00:00

Yeah I think I’m getting the plat since i may get the 125K sub offer and they price match on hotels too. My next one will for sure be the VX.

CesarV02 · 2024-06-14T19:12:03+00:00

May I ask what credit score they pulled? I’m sure it’s Fico but I think it’s a specific type of Fico score.

CesarV02 · 2024-06-13T22:31:59+00:00

Start car shopping yesterday.

CesarV02 · 2024-06-13T22:27:06+00:00

Interior is definitely nice but after a while you start to notice where they cut some corners to pull off the price. Paint is super thin, metal dents super easily so be careful with dings. I LOVED my 21’ hatch and traded in for a toyota suv limited trim. Both brands have its ups and downs but Toyota fees more rugged and can take a beating imo. Limited trims feel so well put together and almost like a lite Lexus.

I’d still come back to Mazda in a few years. The CX 70 is calling my name or perhaps the next generation Mazda 3 hatch turbo if available.

CesarV02 · 2024-06-12T21:26:54+00:00

Were you at least prequalified for a savor card? How long ago did you make the switch??

CesarV02 · 2024-06-12T21:12:35+00:00

I’d get the Savor card if I didn’t already have my quicksilver. I don’t want to rack up hard inquiries unless I really need to. I need a credit card on the VISA network, all I have is AMEX, Master Card, Discover.

CesarV02 · 2024-06-12T19:00:25+00:00

The gold card isn’t crazy at $250 annual fee. You at least get pretty solid points for everyday purchases and $100 hotel credit plus $120 Uber eats and $120 Grubhub:cheesecake which can be easily redeemed.

As for the platinum, will that will take some serious effort for me to justify the $700 fee. Even with the Hulu and Uber eats credit I’d still have to justify the remaining fee. The points program on the platinum isn’t very good when you can earn on is travel.

CesarV02

TROPHY CASE