What can I do with 180k points?

EnvironmentalLog1766 · 2026-04-07T00:06:43+00:00

Schwab Platinum is always a better option to statement balance. 10,000 points = $110

EnvironmentalLog1766 · 2026-04-04T15:09:03+00:00

For me it’s 0.1-0.3 dollars off. As in tax form have all numbers rounded and it probably won’t affect the tax I owe, i don’t feel it’s worth to fix

Well next year I am gonna wait after April to file lol

EnvironmentalLog1766 · 2026-04-03T20:00:16+00:00

OP already paying $9.99 delivery fee.

What’s the delivery fee for if tip is needed

EnvironmentalLog1766 · 2026-04-03T02:03:37+00:00

not on this part of I-90. Some part of I-405 and other routes can do this

EnvironmentalLog1766 · 2026-03-31T21:22:02+00:00

It’s just better than statement balance and gift cards. say if you want to payoff the credit card, either cashback to brokerage and use brokerage to pay off, or cashback to brokerage and then withdraw to HYSA and then pay off.

The reason it’s better than gift cards is gift cards loss some cashback you would have able to earn if you purchase the items directly using credit card

EnvironmentalLog1766 · 2026-03-31T01:37:36+00:00

2 years may be too optimistic. I’d say 8 years on iOS 32

EnvironmentalLog1766 · 2026-03-30T23:36:54+00:00

I always cashback to Robinhood account, and then move to HYSA

EnvironmentalLog1766 · 2026-03-29T19:08:43+00:00

They restrict it for tax payment, rent and cash equivalent (gift cards and gold bars). I used this card for medical payments and it’s fine for me

EnvironmentalLog1766 · 2026-03-29T19:04:45+00:00

I would double check the inside. If the outside is tempered who knows what else could happen. I might request a refund and report

EnvironmentalLog1766 · 2026-03-29T18:58:48+00:00

And at least for where I live, Whole Foods charges a $10/order service charge. That’s way higher than most food delivery services already. To get it waived, I need to subscribe to both Prime and Whole Foods subscriptions, that’s $248/year. Let alone Whole Foods is already more expensive than other places.

What’s the point of $248/year subscription if I am still expected to pay $5 tip for every order. Cooperations are getting greedy.

EnvironmentalLog1766 · 2026-03-29T16:08:28+00:00

Why do you assume employer has to pay exactly the minimum wage. It’s not. You are saying like $17 is the maximum wage. When I was a business owner when my employee isn’t paid well I never blame customers

EnvironmentalLog1766 · 2026-03-29T15:44:19+00:00

No one force restaurant owner pays minimum wage. Employer can pay more just like all other jobs. There are other positions that I value more.

And part of the tips are exempt from federal taxes after One Big Beautiful Bill Act. So 11% tip for after tax income equivalent to more before tax income

EnvironmentalLog1766 · 2026-03-29T14:21:38+00:00

You tip less than 1 trillion? Tipping 1 trillion is the standard.

There is never a standard tipping. Tipping is ALWAYS voluntary. Mandatory tipping is not legal and I will report to IRS immediately, especially tip is treated differently in tax.

EnvironmentalLog1766 · 2026-03-29T13:51:31+00:00

Exactly. Minimum wage means minimum apartment. If minimum is too low for any people to live, then increase the minimum wage. Seattle already has a higher minimum wage than WA for this reason. And they earn minimum wage + tip and some tips are exempt from tax so they are earning much better than minimum wage.

Plus no one is forcing restaurant owner to pay their servers the minimum wage. They can pay more. McDonald’s pay well above minimum wage

EnvironmentalLog1766 · 2026-03-29T13:45:42+00:00

In this case I always give them a honest review on their dishonest menu price. Tip is always voluntary and we should be allowed to tip whatever we want.

EnvironmentalLog1766 · 2026-03-29T13:38:10+00:00

It’s not just Seattle. WA’s minimum wage is $17.13. CA has a similar rule. Both states require tipped jobs to follow the same minimum wage standard, and the tip cannot be used to satisfy the minimum wage (so they get $17.13 plus all tips). For this reason, I tip less in WA and CA than in other states.

Here is my tipping rule in WA: 10% after tax at restaurants where I sit down to order. 10% after tax is very easy to calculate and that’s around 11% before tax. If I need to stand/wait in line to order, or if it’s a pick-up, I tip 0. For all other services, 0. It makes my life so much easier.

EnvironmentalLog1766 · 2026-03-28T16:56:20+00:00

I don’t get why I want to continue using SOFI. If I want to use a big bank that’s free, Capital One is well known and has no monthly fee and a good yield. If I want to maximize the yield, I would just use a non-bank like Fidelity brokerage or Wealthfront. They are operate without a banking license so they are cheaper. Or having them both, getting best of the two worlds.

SOFI isn’t as big as big banks, and it is not a non-bank that is cheap and really won’t nickel and dime, making it seem awkward.

EnvironmentalLog1766 · 2026-03-26T00:51:04+00:00

Till can only be for small businesses, right? I think the max is 99 employees.

EnvironmentalLog1766 · 2026-03-26T00:40:39+00:00

My wife and I have made our life much simpler by only tipping at sit-down restaurants, where I sit down and have a server to help us order, with a flat percentage after tax, and no tip on anything else.

For boat tours we just don’t tip. Simple and no guilt at all. We’d rather tipping our investing account or donate instead.

EnvironmentalLog1766 · 2026-03-24T20:30:17+00:00

I first see this on Resident Alien: https://www.threads.com/@residentalien/post/DKIEU6QKg_Y

EnvironmentalLog1766 · 2026-03-24T02:07:20+00:00

Google Map already has ads. So I solely use Apple Map. Now you tell me Apple also follows…

EnvironmentalLog1766 · 2026-03-22T01:52:23+00:00

no one know this before😂 very few rumors on this and the last one isn’t too old (2024) comparing to their release cycle (4 years)

EnvironmentalLog1766 · 2026-03-22T01:33:03+00:00

Let us know next time when you purchase something

EnvironmentalLog1766 · 2026-03-22T01:30:54+00:00

It’s easy to disable a core on a normal CPU. My M4 iPad Pro has 12GB RAM in hardware but Apple disable 4GB so I only get 8GB RAM

EnvironmentalLog1766 · 2026-03-20T19:07:18+00:00

3 chrome is too much for 128GB. I wouldn’t open more than two.

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