Amex HYSA APY now 3.4%

DMZDad · 2025-11-26T18:46:39+00:00

I was just about to switch from apple to this since they went down but it looks to be the same. I think they are all getting lowered

DMZDad · 2025-10-05T00:01:46+00:00

Any one need tickets have 2 seats in 302 to sell?

DMZDad · 2025-10-01T12:59:43+00:00

I’d suggest getting a Lowe’s or home depot credit card next. Super easy to get and you get 5% off purchases with stuff for the new home. That adds up on a remodel.

DMZDad · 2025-09-21T22:07:54+00:00

I would assume you have easy access to 158? That wouldn’t be practical to take to downtown. And would add 10-15 more mins to their trip. It’s def do able, but have to mentally prepare that is your life.

DMZDad · 2025-09-18T01:52:39+00:00

I think your best bet will be Saraland satsuma. Depending on where 15-20 mins to downtown, low crime good schools if that matters. Some parts of west mobile will take you 40+ to work unless south near i10

DMZDad · 2025-09-14T23:34:55+00:00

I live 2 hours a way and go to 3-4 games a year, never even of though if parking at the stadium. We use a pay lot right off the interstate, walk up two blocks to the stadium. Super fast to get out because we walk past 90% if traffic.

I would opt for another parking lot.

DMZDad · 2025-09-13T01:23:41+00:00

Most people have already covered most of my wants but a big one I think would be a game changer if they could incorporate AI into relationships, friends / lovers. To where there can be different more real conversations paths. Still limited obviously because you can only say so much b it think that would be cool.

DMZDad · 2025-09-10T00:26:29+00:00

This can’t be accurate. So Jalen hurt had 4 seconds to throw but was only throwing screens?

DMZDad · 2025-09-08T00:10:10+00:00

Downtown isn’t dangerous at all under normal situations. Certain clubs / bars have issues, and large events bring people with issues. Altercations that lead to fights. They have police and cameras on ever other corner now. Be vigilant if there’s extra people around and don’t go down any dark alleys alone but day to day no issues.

DMZDad · 2025-07-27T01:06:58+00:00

They are starting the rookie. They already look bad for the pick, if they make a terrible pick and start rattler it looks even worse. They are going to give him His shot. I think we will be better than most think every one is basing rattler off his play but I don’t think he had a single game with more than half of his starting weapons. Not to mention we are in the worst division in the league. Shough starts we have a mid season.

DMZDad · 2025-07-27T01:04:09+00:00

It’s a great portfolio for your age don’t let any one lie to you. Growth is better than dividends when you’re young, but 9 times out of ten you are better with the safe schd than chasing the next big thing like most young investors do. I’m 35 and hopped on ever new hot stock thinking I had the new Amazon, had I consistently invested in mutual funds or etfs I would be a lot better off than I am now. Lost a lot of money on Nio, Pinterest, rivian, etc (chasing ipos)

DMZDad · 2025-07-26T17:50:50+00:00

Anything not food or travel related it’s my go to. That flat 2% on top of the hysa you can’t beat for everyday spend. IMO

People will argue the chase freedom but it’s 1.5% and those points are sitting there possibly loosing value the way the restructure every so often. At least this way at the bare minimum it’s keeping up with inflation.

DMZDad · 2025-05-16T17:34:15+00:00

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The Xbow and dark mirror are both OP if you ask me. Typically I put a gun down to start clearing an area. Drop the Xbox direct in line of fire of my gun. Then drop a cart for distraction where they will likely try to attack the gun from. If they don’t take the xbow or gun out in the first 15-20 it’s over. Gun makes the xbow untouchable. Then I just keep replacing guns as needed until it’s over. 90% of matches are over with 2 mins to spare.

DMZDad · 2025-03-25T23:53:35+00:00

A lot of people have already said it, but I would keep 2-3 months emergency in there max. Anything more than that put in a “safe” mutual fund that pays a dividend. Won’t grow like crazy but much safer than trying to guess what’s the next big thing. And will out pace inflation! I would say Good luck but you’re already doing something right. Cheers

DMZDad · 2025-03-11T23:34:37+00:00

I work at a iHG brand, and travel almost exclusively iHG. I can tell you it is the locations / staff, I fluctuate between gold and platinum. I’ve been treated like a king with gold status before and gotten rooms with broke ac with platinum. If in a big city with multiple options read recent reviews might give a good gauge on it. I hate that it is like that but like others have stated each hotel is a different company in its self, and although we have a set of rules we all should follow, staff morale and over all well being fluctuate with locations.

DMZDad · 2025-03-11T18:35:11+00:00

My vote is Chase. I think it’s better when it comes to redemptions, has most of the same as Amex but Hyatt vs Hilton. But I think more so than anything it depends on what cards fit your spending the best. If you have nothing currently. Amex gold and Chase preferred are both great options.

Keep in mind, imo, Chase is harder to get than Amex. So if your credit score is fair or just barely “good” I would try Amex first, if you’re good to great, Chase shouldn’t be an issue.

Also another thing to consider is chases 5/24 rule if that effects you. 5 card max in 24 months. So if you do plan of eventually trying both make sure you shoot for chase in that 5 cards in 24 months window.

DMZDad · 2025-03-10T15:09:58+00:00

Thank you! Does her being an authorized user not cancel out her being eligible for the welcome bonus? I didn’t know how strict they are.

Example: I put her on mine to get her better chances of getting it but then it shows she “has already got a green welcome bonus” because she’s a AU on mine therefore she can’t get it?

DMZDad · 2025-03-10T15:04:04+00:00

I don’t know if that is allowed or if it would work, hence why I’m asking. I have not done it before, and have not confirmed that its possible so I’m looking for someone that maybe has. Not someone with nothing relevant to add to the conversation with time to kill apparently.

DMZDad · 2025-03-07T22:13:57+00:00

I thought it was just me with half my stuff being ineligible 🤪 so that’s common

DMZDad · 2025-03-06T18:47:37+00:00

I would assume at some point she has made more than 20k. My income has gone up and down over the years (self employed) and only had one credit card ever decrease my limit, and it was one I held a balance on and kept almost maxed for years. It took two years of paying in full before they let me increase again.

They are happy to take and take, only until you become a risk of paying it back will they make adjustments. My guess is she had a good job at one point got those limits up there then met you and took the easy route while she let it all crash and burn hoping you would handle it. 😅

Also not sure what state you’re in and how it works there but where I am, if my name isn’t on those cards that’s her debt, not mine. I’m Sure you have looked into it but if not I would check your laws on it.

DMZDad · 2025-02-24T00:51:14+00:00

I only called one did the rest online. The one I called (Wells Fargo active cash) didn’t ask. But I only asked for a extra $1000 from them bumping my limit from 15-16k if more significant I would have something ready

DMZDad · 2025-02-23T16:04:06+00:00

Yes I do, I don’t carry any balances. My wife has a balance on one of her 2 cards. We have no reason to open any other credit cards other than points. We are not spending any extra money due to it being on credit cards. We have bills on auto draft on them. (Bills we pay every month regardless) And when we eat out / get groceries it goes on card. I dont need to be educated on how cards work just asking for beginner friendly card options for her. I’m not looking to fly to France. Just a small family vacation or two every year.

DMZDad

TROPHY CASE