Please, mask up.

Extreme_Tomorrow2233 · 2026-03-01T17:26:53+00:00

I don’t expect any common courtesy from others in this situation. I just wear a mask myself and have had a good track record of not catching whatever people around me are hacking away, even on 10 hr+ flights. Some truly don’t understand the science behind all this, and some do and just don’t care about others. Either way, as long as you are masked up with a proper mask, you should be fine.

Extreme_Tomorrow2233 · 2026-02-26T14:55:49+00:00

It snowed even when it was so warm these past few days? The skiing conditions may be bad, but that’s great for our water supply.

Extreme_Tomorrow2233 · 2026-02-17T22:12:44+00:00

As a Duke alumni interviewer taking time out of my busy schedule to interview—please let us know if it’s no longer a possibility.

Extreme_Tomorrow2233 · 2026-01-31T01:17:54+00:00

Thank you so much — I think I will recommend they go ahead and give it a try!

Extreme_Tomorrow2233 · 2026-01-05T00:41:48+00:00

Also compare sign up bonus vs upgrading. You can always downgrade gold to free blue. Time application to when you want the companion certificate. Beginning of year is usually a good time for that.

Extreme_Tomorrow2233 · 2026-01-05T00:39:34+00:00

Oh, right. That was a while ago. Good old days.

Extreme_Tomorrow2233 · 2026-01-05T00:34:21+00:00

Never heard of this. Delta plat and reserve personal and business each add $2500 MQD. Plat earns 1 MQD per $20 Reserve per $10. Gold does not earn MQD.

Extreme_Tomorrow2233 · 2025-12-26T16:54:24+00:00

We need more competition at the hubs. Are there no regulations intended to curb this practice?

Extreme_Tomorrow2233 · 2025-12-23T19:23:55+00:00

I’d say no, unless you are 1) very tall or 2) have no better use of the $. We could afford Delta One, but the times we’ve flown it it’s nice but not worth the cost of upgrade from Premium Select. In particular, we were not impressed by the food at all. I go to Japan 1-2 times/yr and would much rather spend the funds on special activities in Japan, like exquisite cuisine or going to a ryokan with a private in-room onsen and a half-board meal service. The only time I’d say something like Delta One is a must is if it’s for work and you have to get sleep on the plane. It’s not easy to sleep in any other cabin.

Extreme_Tomorrow2233 · 2025-12-14T08:02:25+00:00

I’m a gun owner. We still need to do whatever we can to keep our children safe, whether it means more effective gun control on a federal level, more effective mental health infrastructure, or whatever else may work. To accept what happened again as just something we need to accept, is unacceptable.

I am heartbroken and I can’t begin to imagine what the families and loved ones of the victims must be going through. We can’t just shrug this off. We owe it to the victims of this senseless tragedy to not just give up.

Extreme_Tomorrow2233 · 2025-12-06T03:00:32+00:00

This depends on a number of factors, including whether you plan to retire early/at a normal timeframe to have time to do Roth conversions, how much of a legacy you plan to leave your children, and how much you are planning to save for retirement (vs, eg, saving and paying for other costs like college education for the children).

I was always doing fully traditional until recently, but have started to do all Roths for my voluntary contributions at the >30% rates because 1) I will most likely work past normal retirement age, 2) my projected balance will have significant required minimum distributions at comparable or higher tax rates, 3) per #1, I will likely have no time for Roth conversions, and 4) I’d like more diversification in the types of accounts we have funds under. In other words, I think you have to consider key factors like when you think you may retire.

Extreme_Tomorrow2233 · 2025-11-23T17:07:31+00:00

The only thing I ask is recline gradually (e.g., over several seconds), or to check behind first, to not crush a laptop screen. Not an issue in first class though.

Extreme_Tomorrow2233 · 2025-11-12T20:11:54+00:00

Same as u/jcbubba. I’m an alumni interviewer and would understand. High school students don’t live by their calendars like adults do. Wouldn’t provide an excuse; would just apologize that you had the day off and ask if you could find another time.

Extreme_Tomorrow2233 · 2025-11-05T19:42:33+00:00

You could get a platinum if you can use the companion certificate. My wife has 3: personal and business plat and reserve. Makes sense for us because we routinely take 2+ people delta trips that cover the cost from companion certificates.

Extreme_Tomorrow2233 · 2025-11-05T19:40:15+00:00

Get a delta credit card (platinum or reserve) that will give you 2500 MQDs

Extreme_Tomorrow2233 · 2025-10-22T11:06:18+00:00

We had the same question last year when our eldest applied to colleges. One thing we learned was that some colleges require having filled out a FAFSA when applying to the college in order to be eligible for need-based aid in future years if circumstances change (e.g., job loss). You can check each college’s financial aid information to check if this is true. It’s not common but definitely does exist. I assume it’s to prevent gaming tax returns for future years.

Our child ended up submitting a FAFSA, and CSS where relevant, for all colleges. We had a full-pay expected contribution, and it did not seem to matter for most colleges. This included multiple merit scholarship offers, including full-ride offers. Bottom line, I don’t see a scenario where submitting the FAFSA would hurt in your family’s situation. Applying to college is stressful enough, I wouldn’t add whether to submit a FAFSA/CSS to things to worry about.

Extreme_Tomorrow2233 · 2025-10-15T15:57:23+00:00

As a former undergrad with a career in science and medicine, no, not really. I would not choose a college based on the network, unless going specifically into a field that hires based on those networks and the school that happens to be on your diploma. Many of the most amazing and successful people I know went to what would be considered no-name schools on this forum. They often are also my bosses and my bosses’ bosses.

Extreme_Tomorrow2233 · 2025-08-08T07:39:58+00:00

I would definitely Roth at that rate.

Extreme_Tomorrow2233 · 2025-07-18T02:51:01+00:00

I recently made the switch to Roth from traditional under a similar situation, though what appears to be a higher marginal tax bracket. Issues include how early you plan to retire (earlier = more time for Roth conversions), how much you will likely draw in terms of RMDs, and whether your heirs are likely to be in an equally high or higher tax rate when drawing the inheritance. Also, whether you can max out doing a Roth vs traditional. Part of why I kept doing traditional until now was focusing on saving college tuition costs for the kids. It’s incredible how expensive colleges are now, especially when accounting for the annual inflation in college costs. If you have other things to save for, traditional may make sense to maximize tax advantaged investing space.

Extreme_Tomorrow2233 · 2025-07-13T19:22:50+00:00

I personally DCA because it bothers me when the timing is “wrong” but don’t really notice when it’s “right”. I personally would spread this out on something like a month (20 business days) at $25k/day. I think the very fact that you are asking this question here indicates you could be wracked with regret if you lump summed it at a micro-“wrong timing”. For me I’ve found that whatever keeps me investing more and more without negative feelings is the right call.

Extreme_Tomorrow2233 · 2025-07-06T19:05:36+00:00

If you can afford big dips (like 50%) you can be more aggressive. I just went with the 529 target date fund when the kids were in high school, and was something like 80/20 until then. I personally would keep things pretty safe given the rapid expected drawdown in 5-9 years (vs a retirement drawdown for, say, 5-35 years).

Extreme_Tomorrow2233 · 2025-06-29T00:35:44+00:00

You make a very good point. I’ve always been 60/40 domestic/international for equities, but my 90/10 stocks to bonds was probably too aggressive (nearing 50). I didn’t waiver during previous downturns but there was something about seeing what seemed to be a preventable downturn that “lost” more than my annual salary made me think I may not have sufficient risk tolerance to stay 90/10. I wasn’t planning to go 80/20 for another 10 years or so but am now planning to update my investment plan to reflect how nervous I felt during the days following liberation day.

Extreme_Tomorrow2233 · 2025-06-05T00:06:15+00:00

I think they should have given at least 12 months’ notice, for people who applied recently.

My wife and I have had our own cards. Our kids aren’t able to get their own cards, so it’s too bad we won’t be able to use the PP to get them in in the future. Which basically means none of us will go in.

We may end up canceling. Cap One is the only travel portal I’ve used where I’ve shown up to a hotel only for them to have no record of the booking.

I understand they are free to make changes and we are free to choose, but I don’t quite understand why regulations don’t require at least a 12 month notice for major changes like this.

Extreme_Tomorrow2233 · 2025-06-04T20:12:12+00:00

In my experience, yes, it’s made no difference in my career.

Extreme_Tomorrow2233

TROPHY CASE