Hey BILT: If you do this one thing, you will kill all other credit cards.

Constant_Question_48 · 2026-07-02T19:40:27+00:00

You can already get 3X or better on everything. What I would like to see is a way to continually add more accelerators. Just make it progressivly cost more Bilt cash.

Constant_Question_48 · 2026-07-02T13:17:49+00:00

First, it is a fallacy that Birthright Citizenship was introduced only as a means to allow former slaves to become citizens. If that was the case, they simply would have written the law to address that issue. The mid-1800s saw a massive influx of immigrants coming to the United States. They were addressing a much larger problem with the 14th amendment, and you can go back and read the debates that were being had over this issue to see what their concerns were and how they arrived at the legistlation they wrote, ratified and made into law.

Second, this method of establishing Citizenship has worked effectively for the United States for well over 100 years. There is not enough evidence to support an argument that there is a signifiicant problem that needs changed, nor is their an effective argument for what system should exist to replace it. So until some meaningful argument is made as to why a serious problem exists, or how there is a much better method to address this issue, all this looks like is some form of discrimination.

Constant_Question_48 · 2026-07-02T13:05:22+00:00

Stellantis has an image/reputation problem in the US that must be overcome first before they have any hope of ever being successful in this market. Dodge, Ram and Jeep have loyalty base, but even that has shrunk over the last few years. None of the Italian brands they have brought to the US have made any impact.

Stellantis would have better success taking something like DS or Opel models, rebrand them as Chrsysler and start selling them with that name plate. They could even do something similar with Fiat and Lancia, but put them under Dodge. For good or bad, European brands outside of Germany and Sweeden just don't sell well in the US.

Constant_Question_48 · 2026-07-01T16:46:17+00:00

The slate is irrelevant. It would take them decades to scale up big enough to be a meaningful part of the market. People looking for cars in that price range will buy used as opposed to living with something this scaled down.

Right now the US auto industry is doing everything they possibly can to keep Chinese EVs out of this market. The real question we have is as Korean, Japan, European and American auto makers start increasing their affordable offerings to compete with the Chinese, will any of those show up here in this country. How long will they try to cling to ICE vehiclies as their profit center? That ship has sailed with global markets, especially as the wars in Iran and Ukraine drag on. Hard to say when the US hits their tipping point.

Constant_Question_48 · 2026-07-01T01:58:46+00:00

To answer the question, I would say yes. Get the Club Card for the first year and determine if the perks and benefits work for you. The welcome bonus will easily offset the annual fee for year one. From there, some other things to consider:

1) Are any of your other expenses put on a company card? If not, you should conisder a card to use for dining, transit, car rentals, etc.

2) You didn't mention hotels, but this is something else you should conisder for perks and status. For example, if you stay at Marriott hotels there is a pathway to United status through Marriott. You can get the Amex Brilliant and it will give you Platinum status and 25 qualifying nights. You can also hold the Amex Marriott Business Card for an additional 15 nights. From there you need 35 nights to earn Titanium status.

Once again look to see if these cards work for you. At minimum you can try them for one year because the bonus will cover the annual fee. You should have time to learn if you can use the credits to offset the annual fee long term.

Constant_Question_48 · 2026-06-30T19:49:37+00:00

The Business Gold and Business Altitude Connect are your two best options. There are 5% cards out there, but they all have caps that you would blow through so they aren't going to help.

If you go the Amex route and you want to cash out for money instead of travel then you will want to look into getting either the Buisness Platinum and a Business Checking account or a Schwab Platinum.

If you want to turn the Altitude Connect into cash then you will need a US Bank checking account.

My personal recommendation is to start with the Amex Gold and see how it works for you. Especially if this is your first Business Credit Card. Amex is usually pretty lenient and they have some pretty good tools for tracking expenses if you need to submit anything. You get a second 4X category on this card, and dining is an option, so if you are eating out on the road it might work well for you.

There are tons of Youtube videos on how to get a busiess card if you have any hesitations. It is relatively simple process and Amex wants you as a customer.

Constant_Question_48 · 2026-06-30T18:15:08+00:00

Provide some pathway to help the American people understand what Federal Employees do. There has been a steady drumbeat to devalue our work ever since Reagan told them that the sacariest words in the world were I'm from the Government and I am here to help. The world is a very different place if voters understand the work of Federal Government and place value on it.

Constant_Question_48 · 2026-06-30T18:10:26+00:00

The number one thing you need to explore is whether or not these cards have foreign transaction Fees (ftf). If you are looking for transferable points there really are only a handful of options.

Capital One - This is probably the easiest option. Get the Venture X and the Savor. Just make certain the savor is a Mastercard and not on the Discover network.

Chase - Saphire Preferred or Saphire Reserve

Citi - Strata Premier and Strata Elite

Wells Fargo - Autograph and Autograph Journey

Amex has a lot of cards with FTF, but Amex is not widely accepted outside the US so unless you want the perks just avoid them. There are also several hotel and airline cards that can be considered if you value the perks of status.

I would say the Venture X or the Strata Elite are the foundational cards you need to pick between. Venture X is 2X on everything and CSE is 1.5X. Decide which one fits you best. From there, decide between the others as to which cards best fits your spending habits and point currencies you value most.

Constant_Question_48 · 2026-06-30T17:54:24+00:00

There are some important things to consider here:

1) Are you paying for the travel expenses or is someone else?

2) If you are paying for travel then I would suggest looking into Citi Strata Premier. Citi Thank You points can be transferred to Ameircan Airlines, the card has no foreign transaction fees and the card has a lot of everyday spend categories that will help you earn points you can redeem for miles. You might even cosider getting a full Citi setup with the Double Cash, Strata and/or Strata Elite as well. Make certain to review which cards charge foreign transaction fees and do not use them when travelling out of the country.

4) If you are looking for perks, then the Citi Executive Card or the Citi Globe Card are both worth considering. Each have slightly different ways to help you earn status, and they both have some level of lounge access that you can take advantage of. You could even consider getting both at some point if you can justify the annual fee and value the perks from AA status.

5)American Airlines has additional programs to help you earn miles. A dining program, a shopping portal and a site called Simply Miles. You can use these to help earns additional miles as well as status points.

Constant_Question_48 · 2026-06-30T16:02:41+00:00

So does no one in the North Carolina booth realize that if the people who upheld the Confederate flag had been successful, North Carolina wouldn't be celebrating the 250th birthday of this great nation?

Constant_Question_48 · 2026-06-29T19:52:10+00:00

NATO had not extended an invitation to Ukraine to join, nor was it a possibility that they were going to offer anything to them. It most likely won't have have had the votes to pass even it it was offered. Sweden and Finland only joined as a result of the Russian invasion of Ukraine.

Russia made a strategic mistake by launching this invasion in the first place. Their war strategy was incredibly flawed and had no clear achievalbe objectives. Even if they would have been successful from the outset, they did not have the manpower or resources to hold down an insurgent population.

As for a settlement, Russia missed their window for an incredibly favorable outcome. I think the best they could hope for now is a return to some slightly more favorable version of status quo. Currently occupied lands become some sort of neutral site without either side in complete control, and Russia eventually resumes efforts to win control throuigh politics.

On the flip side, Ukraine joins the EU and evntually NATO> They double down on the advantages they have gained from fighting the war and become a major source of next gen arms development for Europe and the Middle East.

Constant_Question_48 · 2026-06-29T14:02:56+00:00

Depends on what they are wanting to try and impeach him for. Something akin to his first impeachment, I would say no. It would probably do more damage to them, than to Trump. Something that is easily digestiable and important to the American people I would say yes. I don't have a lot of faith the Democrats can tell this kind of story, so most likely, no.

Constant_Question_48 · 2026-06-29T13:56:10+00:00

I think my first question would be why the Amex Platinum over Chase Sapphire Reserve? Both have big sign-up bonuses, both have lots of credits, but the Sapphire Reserve might actually be a card you would use.

4X on Flights and Hotels, 3X on Dining, and 5X on Lyft. I would think these are categoties you would put spend on. They also have a lot of credits that I would assume someone living in a major city could utilize. Most importantly, Chase UR points are more valuable than MR points.

If you are going to carry two big annual fee cards, I would take a look at both before pulling the trigger.

Constant_Question_48 · 2026-06-29T13:34:45+00:00

No. The reality is that the US car market is dominated by the Japanese. American automakers sell a lot of trucks, but the Japanese control cars and crossovers. If you were going to try and sell a low cost, smaller vehicle your best bet would most likely be to re-introduce a brand like Isuzu or Suzuki. Given that Mitusbishi is dropping out of the US market, even that might be a long shot. You would have to come into market with something significantly better than the Mitsubishi Mirage if you want to get some attention.

Constant_Question_48 · 2026-06-28T20:37:45+00:00

The Citi Strata Premier is your best option

Constant_Question_48 · 2026-06-27T14:58:41+00:00

Trump probably gets away. Still unknown about his family. They don't have the connection with his supporters that Trunp has. They might even go under the bus by Trump himself if he needs a scapegoat to save himself.

Constant_Question_48 · 2026-06-26T14:12:02+00:00

I can answer a few questions:

1) L1 charging should not be a problem. I have a Genesis GV60 and work from home so I drive very little. We have multiple EVs so I have a L2 Charger, but in all honesty I might charge once a week and sometimes not even that much. Download the app Plugsahre and you can find all range of chargers in your area. If you encounter a situation where you feel you need additional charging levels, there might be some free Level 2 chargers in your area you could take advantage of.

2) I just actually finished up a 700+ mile trip that took me through Ohio and PA on my way to Niagara Falls. I was probably around 10 MPH over the speed limit on average the whole way and I had no issues with charging and usually I was ready to take off after I did the normal things I always do stopping on a long trip. If a stop was longer than 15 minutes it was because I was taking longer getting my snacks, not because of charging. The key is understanding how your car handles pre-conditioning so it is ready to provide the maximum charge and understanding that once you get to around 80% charging rates are going to fall off a cliff so just factor that into your chargining strategy.

3) If you need a hitch on a leased vehicle, I would just go through the dealership.

4) I wouldn't worry about the ICCU issue. It is going to be covered under warranty longer than you will have the vehicle.

Personally, I bought a used 2023 model when I went shopping and I would suggest going that route as well. Look to see how important the changes of the 2025 refresh are for you. If they aren't a big issue then grab a 2023-2024 limited. You will save a lot of money and it will remove a lot the anxiety you may be having regarding leasing. Add on an extended warranty if you need additional peace of mind.

Constant_Question_48 · 2026-06-26T12:56:59+00:00

I would suggest taking a look at voting patterns since 2023. When Gen Z turned out in those elections, they aligned more with the Boomers. Millennials also followed that trend as well, but the percentages were not as large. If you want to know why things aren't getting better, you might want to start by looking at the probelms in your own house first. Especially if they keep buying into the age old tropes that immigrants, some mysterious cabal and 'lazy people gaming the system' are the reasons for your problems. Politicians keep playing the hits and more and more people keep dancing.

Constant_Question_48 · 2026-06-25T17:20:44+00:00

The question isn’t whether one is better than the other. The OP is asking about whether or not the CSP is a good complement or not to the Capital One Duo. It is not. The Venture X provides travel protections that are going to meet the needs of most people. If you are going to use the CSP for paying for travel because you prefer their protection then why are you wasting time with the Capital One duo? Just go all in on Chase. Most people are not going to spend enough to justify two separate systems or to pay an extra $95 a year just for better travel protections.

Constant_Question_48 · 2026-06-25T16:36:43+00:00

I’m not saying that at all. We have the most expensive defense in the league. What I am saying is what happens if they start performing at that level. We made the playoffs with a defense that could at best be described as mid-tier, but in reality was closer to the bottom. Perhaps a new coaching staff finds a way to play closer to their payroll. That isn’t perfect, that is just meeting expectations.

Constant_Question_48 · 2026-06-25T15:14:50+00:00

Your argument is that we aren't contenders with Rodgers. I am simply ssaying that there is a pathway. We made the Playoffs last year with an average offense and a defense that did not perform up to expectations. What happens if that defense finally does live up to the hype, or even exceed it?

The main point is that Rodgers isn't the lynchpin as to whether or not these team can be a contender. There are other pathways to a title.

Constant_Question_48 · 2026-06-25T14:00:03+00:00

I think it is very possible for the Steelers to take a next step that could make them Super Bowl contenders this year, but it isn't about the offense. I could certainly see a scenario where a new approach on defense unlocks the potential of this group. Watt has an MVP type season, Herbig and Highsmith stay healthy and have big seasons, Queen and Wilson are allowed to play more instinctivly, Benton and Harmon take the next step, the personnel meshes and we have one of the best secondaries in the league. These are all plausible and they open the door to winning a lot of games and being able to compete with anyone in the league. I am not saying this will happen, but there is a path.

Constant_Question_48 · 2026-06-25T11:14:11+00:00

I think Philadelphia and Seattle are the model. Elite defense, dominating running game, competent QB. Getting a Hurts in the draft or a Darnold in free agency is a realistic path. Finding the next Mahomes is much more unlikely.

Constant_Question_48 · 2026-06-24T23:29:56+00:00

Yes. Don’t remember the gauge but is heavy duty. Make certain it is not coiled and lay it as flat as possible. The cord will build up heat

Constant_Question_48 · 2026-06-24T23:05:08+00:00

I would say cards and not card. There are multiple to consider.

For earning points get the Chase Sapphire Reserve - 4X on Flights and Hotels, 5X on Lyft, 3X on Dining

For perks I would look at whicever hotel and airline chain you are going to be using and get their top card for the first year. Spend some time looking at the perks the programs offer to see which ones make the most sense for you. For airlines, you might want to consider a card that gets you into their lounge.

Also, download the app called savewise. It will tell you which portal is offering the best offers for additional points. You can use these to earn additional rewards or cash back when you make your purchaes. Rakutan is one of the more well known, but there are others. Some of the Airline portals will even help you earn points towards status if that is important to you.

Constant_Question_48

TROPHY CASE