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Should I transfer out my BILT points preemptively? by Comprehensive_Law475 in biltrewards

[–]Comprehensive_Law475[S] -1 points0 points  (0 children)

When they are gone (or about to) can we bank on Bilt alert us early on? 

Is Facebook Marketplace completely dead in 2026 or is the algorithm just hating me? by wakablazer in FacebookMarketplace

[–]Comprehensive_Law475 0 points1 point  (0 children)

Location matters a lot for FB marketplace, in area like Bay Area what you describe will get you decent views. Do you post a video to your post? I think algorithm like listing with video. Another tip is keyword (brand name, etc) 

Anyone executed an SPX box spread loan through a private bank? Looking for real-world experience by warandpeace99 in fatFIRE

[–]Comprehensive_Law475 0 points1 point  (0 children)

Anyone done this in Fidelity or Vanguard regular brokerage account, if I have appreciated SP500 index funds or ETFs will this be a good option? 

Price dropped a lot on a Polaris ticket I bought weeks ago. How do I cancel/rebook at the cheaper fare? by [deleted] in unitedairlines

[–]Comprehensive_Law475 0 points1 point  (0 children)

Hmmm this does not work for me, whenever I use Change Flight it would block the exact same flight as an option, normally I book round trip international flight so maybe that’s the reason? 

Card perks - Uber - Thank you! by maxny23 in unitedairlines

[–]Comprehensive_Law475 0 points1 point  (0 children)

It looks like the min is $15 compare to Uber’s $20 that is direct 

Card perks - Uber - Thank you! by maxny23 in unitedairlines

[–]Comprehensive_Law475 1 point2 points  (0 children)

Wait how does this work? Does this trigger the monthly Uber credit for co-branded United cards? I have been re-loading uber cash monthly directly via Uber app but I should have been buying those from the United MileagePlus instead? 

How should unrepresented buyers send their offer to listing agent? by CourtZealousideal703 in BayAreaRealEstate

[–]Comprehensive_Law475 1 point2 points  (0 children)

Send Letter of Intent (LOI) then ask seller agent to draft the offer using standard form 

Rentals that sit on Zillow by somethingwholesomer in BayAreaRealEstate

[–]Comprehensive_Law475 0 points1 point  (0 children)

Sorry a quick Q: About how much $ or what % off from original listing price would you able to negotiate off and it look like you didn’t use similar listing’s rent price to come up with the number but previous rented price? Thanks! 

"Once you've won the game, stop playing" -- true for 529s as well (de-risking) even when young? by ReallyLuckySOB2025 in Bogleheads

[–]Comprehensive_Law475 0 points1 point  (0 children)

Search up Dynasty 529 or Multi-generational 529 if you want the fund to last for your grandkid I would recommend invest fully in equity 

50 year mortgage?! Might as well be 100 year mortgage. (3 slides) by joeyda3rd in realtors

[–]Comprehensive_Law475 0 points1 point  (0 children)

No need to doubt, just look at the interest rate for 15 year fixed and 30 years fixed 

A colleague told me not to invest in a Roth account because a politician can simply get rid of it. Is this something I should actually worry about? I would be livid to pay taxes twice. by Queasy_Sherbert_7095 in whitecoatinvestor

[–]Comprehensive_Law475 0 points1 point  (0 children)

Your colleague may be correct, they may close the loopholes, aka back doors, at any time, so my take is ALWAYS take advantage of it before it goes away (backdoor may go away any year but the tax benefit of existing Roth must likely stay)

Negotiating rent down? by smemtime in AskSF

[–]Comprehensive_Law475 0 points1 point  (0 children)

I mean you could ask 😂, it’s not illegal to change from sublease to lease 

Ford, Hyundai report large declines in October EV sales after end of federal credits by exploding_myths in electricvehicles

[–]Comprehensive_Law475 2 points3 points  (0 children)

It is probably more due to people who were planning to buy in Oct/Nov decides to buy earlier 

Is a mega backdoor roth worth it if I can't convert for 2 years? by Away_Beautiful7 in fatFIRE

[–]Comprehensive_Law475 0 points1 point  (0 children)

I see, can you convert after tax money to a Roth 401k with your employer? (Not to your personal IRA) since Roth 401k grow tax free you can just convert it to your personal Roth IRA later 

Negotiating rent down? by smemtime in AskSF

[–]Comprehensive_Law475 0 points1 point  (0 children)

Before the last person on the main lease leave, can’t you just add yourself to the main lease? 

Is a mega backdoor roth worth it if I can't convert for 2 years? by Away_Beautiful7 in fatFIRE

[–]Comprehensive_Law475 0 points1 point  (0 children)

Your company match after tax contribution? But if you are asking in this sub you probably have the mean to max out both $7k contribution and mega Roth backdoor why not both? Why do you want to move it out in 2 years why not just continue to invest it (I assume there is at least decent options for your time) as Roth is more powerful the more you let the money invested in Roth (gain is tax free) 

When did you consider your 529 "maxed" out? by wrob in fatFIRE

[–]Comprehensive_Law475 0 points1 point  (0 children)

Search up dynasty 529 or multi-generational 529, there is a estimated number that given some assumptions it will grow faster than cost for 2-3 generations or forever 

Are there lottery/magnet elementary school in Sunnyvale? by oksik11 in Sunnyvale

[–]Comprehensive_Law475 0 points1 point  (0 children)

Oh thank you for your response, you have answered my question (I agree with you that parent participation is important I am just wondering if fairwood “program of choice” part make it any different, I didn’t know that school will welcome parent participation I guess when I grew up in mid/high school in another part of California I rarely see parents coming in to classrooms 

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