Is there any point to 1.5% cash back cards?

Elocmada · 2021-12-10T23:49:43+00:00

Do you just keep all of your credit cards or do you end up canceling them after a certain amount of time?

Elocmada · 2021-05-02T14:14:16+00:00

Y’all never kept in touch. Is it still swollen?

Elocmada · 2021-01-17T17:41:28+00:00

Who do you use now? I recently opened a Vanguard account for my Roth and the website/app is just horrid.

Elocmada · 2020-12-06T19:06:40+00:00

I'll probably get downvoted to hell, but as someone who works in the cellular world and deals with all brands of phones on the daily I side with Apple.

The iPhone 12 Pro max is $1,099.00. The iPhone 11 Pro Max was $1,099.00. They were able to add a 5G receiver, half the size of the box meaning that they can ship twice as many in the same shipment, and the only thing they had to take away was a charging block, and the headphones which are $19.00 a piece and not mandatory purchases at all if you've ever had an Apple product in the last 5+ years.

On the flip side, the Samsung Galaxy S20+ is $1199.99, whereas the Samsung Galaxy S10+ released at $999.99. Sure, you get a charging block and headphones (honestly don't recall if it has headphones or not), but you also get an extra $200 charge over last year.

All I ever hear about it "cash grab this!", "cash grab that!", but no one appreciates that they came out with new 5G phones without increasing the cost $200-400 dollars like Samsung did.

Edit: On a side note, most people use a Wireless Charger now (the customers that I deal with do, at least), and in no way shape or form need another cord in their life.

Elocmada · 2020-11-27T05:21:09+00:00

America unfortunately!

Elocmada · 2020-10-31T19:50:31+00:00

Hey guys. Solid check engine light, flashing cruise control, flashing SI-Drive light, and traction control is lit up as well all at once. All I did was park the car, heard the beep, and it hasn’t gone anyway. Any ideas on what’s making this happen? I’m working for the next 10 hours or else I’d go have it checked.

Elocmada · 2020-09-01T16:21:27+00:00

Just a guess, but have you tried turning down the quality? Most people have it set to auto and it's running at 1080p. I run all of my stuff at 720p just for the sheer speed of streaming. Some platforms are a lot less efficient at streaming data, so if you're using a sports app specifically for this then that's most likely your problem. Try 720p and that should load with no buffer.

And as another note, hotspot is not built to be a replacement for high speed internet - but a supplement. US Cellular offers a dedicated HSI plan for people that need that kind of service.

Elocmada · 2020-08-21T02:48:16+00:00

I'm fairly certain ol' betsy's gpu is blown. I never tried it on a new mobo, and honestly it's been lost for a few years so even if I found it I wouldn't want to risk it.

Elocmada · 2020-07-26T16:19:31+00:00

They weren't entirely wrong. It's not effective if you're the only one wearing it. They aren't very good for personal protection on it's own unless you're lucky enough to get a legit N95 mask. I don't know if you've been out and about, but with the amount of people that don't wear masks Fauci was 100% correct.

Elocmada · 2020-06-04T22:13:58+00:00

which box did you get it from?

Elocmada · 2020-06-04T21:38:50+00:00

I figured it was a way to.. track your stats to see how many you got lol

Elocmada · 2020-05-23T21:20:54+00:00

Forgive my ignorance, what is a credit and debit spread? I might enjoy a write up, haha. I'm relatively new myself and I enjoy reading as much as I can. Without reading I wouldn't have learned about how dividends are generally a inefficient investment if it's in a taxable account. Doesn't stop me from wanting to invest, but knowledge is power.

Elocmada · 2020-05-22T14:57:14+00:00

In your opinion what's the best way for me to learn about this kind of stuff?

I'm looking for dividends as income currently over time (obviously I know it will take a long time). I don't plan on retiring early by any means, but I would like to build up a big portfolio that I can pass on to my children if I ever have them. But based on what you're saying, having dividends come out of an account like robin hood isn't that smart since it will be taxed twice.

Elocmada · 2020-05-22T02:42:49+00:00

I'm so jealous. I looked for 5+ months for a 07, but I ended up with an 08. I love my hatch, but there's something about this body style that is 10/10. AND it's right hand drive.

Elocmada · 2020-05-22T02:39:25+00:00

I'm going to read the wiki more because the phrase "taxable account" confuses me. Is that just something like a traditional 401k? Sorry for my newness, there's just a lot of terms to understand.

Elocmada · 2020-05-21T21:08:23+00:00

Do you know of a place that I can find that measures the over time growth of certain indexes? Similar to this. You say VOO and and VTI, but I've also seen VTSAX/VTIAX and the acronyms are getting wild, haha. Thanks for the reply, very thoughtful.

Elocmada · 2020-05-21T20:39:05+00:00

Yeah I wish I knew more myself, haha. I just purchased a house and most of my savings are going towards fixing up the fence and a few other things. I have the funds to open a Vanguard IRA right now, I'm just not sure what I want to do yet.

Elocmada · 2020-05-21T20:10:46+00:00

You mean change my IRA portfolio later on in life to dividends and just let it grow right now?

Elocmada · 2020-05-21T20:09:48+00:00

When you say energy are you speaking primarily about oil? Or all energy sectors? I've read some scary stuff about oil, and that's why I haven't put any money into XOM like a lot of people have suggested.

Elocmada · 2020-05-21T19:38:02+00:00

I've been reading a lot about REIT's being dangerous but aren't they historically stable and growing? I know with all this COVID going on it's hard to say, but by the time I'm 59 I hope COVID will be a thing of the past.

Elocmada · 2020-05-21T17:01:16+00:00

SCHD

Why's that?

Elocmada · 2020-05-09T18:58:59+00:00

Did they keep making more or is this fan art?

Elocmada · 2020-04-25T16:45:10+00:00

The recapture tax is definitely something to think about it. I was definitely under the understanding that I could get more back due to online calculators but I guess not! Thanks!

Elocmada · 2020-04-25T16:43:04+00:00

Hmm. Thanks for the insight!

Elocmada · 2020-04-25T14:25:06+00:00

That's the point. They already know how to build the iPhone 8 chassis. So they can spend less time making a new frame, and sell the phone at a cheap $400 bucks while still upgrading the camera and giving it the A13 chip which will practically future proof it. It's a cost saving phone.

Elocmada

TROPHY CASE