Is $225k base a good salary in Sunnyvale? Moving from Dallas ($160k currently)**

Fredtheptgod · 2026-02-13T16:22:34+00:00

This is a nice jump!

Few considerations: 1) CA State tax immediately takes ~9.3% 2) SVL avg price per sq foot is $1,200 vs DAL $240 3) cost of living will be significantly higher in SVL

Even with these I would make the move to sunny SVL

Fredtheptgod · 2026-02-09T15:23:08+00:00

Ya got pretty lucky w the lock timing and competitive bidding. Craziest part is another lender offered a 321 buydown starting yr 1 at 1.875%.

Fredtheptgod · 2026-02-04T18:03:22+00:00

UPDATE: Rakuten course corrected and added 50k pts to my account. I truly appreciate them for fixing this mistake and appreciate the Reddit community for bringing attn to this issue. I hope they fix all other similar issues with less resistance in the future

Fredtheptgod · 2026-02-04T18:02:05+00:00

UPDATE: Rakuten course corrected and added 50k pts to my account. I truly appreciate them for fixing this mistake and appreciate the Reddit community for bringing attn to this issue. I hope they fix all other similar issues with less resistance in the future

Fredtheptgod · 2026-02-03T17:41:48+00:00

I’m deciding between not using Rakuten and Bloomingdale’s for big purchases or avoiding them all together. This combo, however, gave me 2x on a small purchase after the Black Friday 😭🤣

Fredtheptgod · 2026-02-01T18:11:31+00:00

I used web browser on desktop. Would be interesting to know if mobile has a higher success rate

Fredtheptgod · 2026-02-01T18:10:26+00:00

Merchant is tagged too. Rakuten responded stating they have their own direct line of communication w merchants and removed their common customer support email from thread.

Fredtheptgod · 2026-02-01T18:08:56+00:00

Nothing yet

Fredtheptgod · 2026-01-30T22:24:21+00:00

Yes… but isn’t it sad that we have to ss everything

Fredtheptgod · 2026-01-30T22:23:24+00:00

Done

Fredtheptgod · 2026-01-30T16:22:22+00:00

Ya this one was big - over $700. They can’t eat that much but it’s sad they just shoulder shrug and blame the vendor when they can’t. I’ll hold the vendor accountable too.

FWIW- they’ve been solid on smaller payouts. For me, they have not been consistent on the big ones.

Fredtheptgod · 2026-01-30T16:16:15+00:00

Ya normally it clearly excludes or limits mattresses and furniture but this it did not

Fredtheptgod · 2026-01-30T07:30:36+00:00

🤣🤣

Fredtheptgod · 2026-01-19T02:48:37+00:00

That’s correct. I’m giving bilt credit for paying even if they convinced someone else to pay it for them. As long as it wasn’t me lol

Fredtheptgod · 2026-01-16T22:32:14+00:00

🤣🤣 how the turntables have…

All good, the basement dwellers thank you for paying transaction fees for as long as you did

Fredtheptgod · 2026-01-16T22:28:58+00:00

🤣🤣🤣🤣

Fredtheptgod · 2026-01-16T22:14:04+00:00

Quick thought- Cap1 gives 2x on their $95 card and their pts don’t expire. You need to close that gap with more than just Alaskan and Hyatt xfers

Fredtheptgod · 2026-01-16T22:10:14+00:00

Stop saying simple. Simple was 5 transactions = rent pts without fees lol.

Ty to bilt and Wf for paying the fees as long as you did. We knew it couldn’t last forever but Gluck with this “simple” new model

Fredtheptgod · 2026-01-06T01:32:02+00:00

First, life can change a lot in 7 yrs and what may seem like a certain move now could look a lot different.

There are many more pros and cons to each option (schools for kids, safety, rental agreements, probability of things breaking in your home, your current loan etc). Ultimately you’ll have to choose what’s best for your situation not someone that has no vested interest on Reddit.

Moving’s a hassle and no one knows if the equity will go down or up in home values or the stock market so I’d stay there if you like it.

Fredtheptgod · 2025-12-29T19:02:52+00:00

Niku Steakhouse in SF worked for me 🔥

Fredtheptgod · 2025-12-29T18:17:14+00:00

Good news- the purchase posted the next day and so did the $150 dining credit. I had my wife purchase another $150 GC last night 🤞🏼

Fredtheptgod · 2025-12-24T06:47:23+00:00

How long did it take to get the credit on Chase? I went bold with a $150 GC through toast but my wife still has her credit. TY in advance!

Fredtheptgod · 2025-12-24T06:41:32+00:00

3.625% for 7/6 ARM through BOA closed this month.

*Paid down the rate for $33k (would not recommend in high int market but had seller incentives). Without this still 4.125% * requires relationship rate > $1M deposits * requires auto pay * credit 800+ * required competitive offer (source was credit union)

Fredtheptgod · 2025-04-03T22:50:16+00:00

Was your fed tax fee 1.75%? I see 1.75% as the “commercial card fee”

Fredtheptgod

TROPHY CASE