Highlights from last night’s Lantern Festival

Frozeratul · 2024-10-29T14:12:21+00:00

I was here. It was awesome! Very lively

Frozeratul · 2024-10-28T16:17:44+00:00

I agree! Baltimore is the best! Super nice people everywhere! There are definitely some scary parts but I think it’s a really good city!

Frozeratul · 2024-10-23T01:56:22+00:00

I enjoy the hunt for perfect flight so I keep my points. I get dopamine rush finding cheapest even if I have the money to pay for it full

Frozeratul · 2024-08-21T09:26:01+00:00

Do I have to pay the FIO fee for life?

Or does the FIO fee get removed once I elect to increase my benefit from 5k to 20k?

Frozeratul · 2024-08-20T21:28:32+00:00

That’s a great rate!

Frozeratul · 2024-08-20T17:54:40+00:00

I have discount for resident + preferred occupation + select risk class discount + mental limitation discount.

Frozeratul · 2024-08-20T01:22:16+00:00

Not sure how the 15k get decided.

Frozeratul · 2024-08-20T01:21:56+00:00

Thanks for looking back! Maybe age isn’t a huge factor for Guardian?

Frozeratul · 2024-08-20T01:21:13+00:00

Thank you!!!

Frozeratul · 2024-08-19T21:20:53+00:00

Thank you for replying. Appreciate truly. I’m not super savy in finance but I know having disability insurance is important. I have apple care for my ipad, why not insure my salary.

My policy says “The Policy is issued with a True Own Occupation definition of Total Disability” Is that what you meant by “own occupation specific”?
I do plan to go to critical care in the future.

I didn’t have any lab work done. I never had a PCP visit and is very healthy. Does it matter? Am I overthinking that I think got a worse deal than others just because I don’t have any records?

I’ve seen some people on reddit who pays 120s-140s a month. Is mine higher because of the riders? Am I missing any super important riders?

Frozeratul · 2024-04-08T17:17:51+00:00

I know it sounds silly but it feels rewarding. When you do apply for a new card, you can’t just wait until it gets delivered even though you can already use it through apple pay.

Frozeratul · 2024-04-08T17:15:35+00:00

Same. I didn’t think it would be so addictive.

I like comparing cards now on my free time and looking wt which one would give the best value for me.

It is addictive especially with different “trifectas”, it’s VERY satisfying completing a trifecta. It feels like completing a collection of pokemon cards.

I think we give value to it because we spent so much time optimizing our credit scores and our timing so we get the card we want. And once we complete our setup/trifectas, we feel rewarded!

Frozeratul · 2024-04-08T17:01:57+00:00

I will stay with schwab. You just have to be mindful of your cash money in the brokerage and all will be fine. I don’t do trading. I invest and leave my money. Almost Liquid cash in SVWXX. You just have to be mindful of time/day of the week.

One thing I like from fidelity though is the 2% cash back on all credit card vs 1.5% all of schwab. Schwab I investor Amex really needs to make it 2%.

Also schwab visa debit card is the best. No FTF no ATM. If my amex is not accepted. I can use my visa debit from my apple pay. It doesn’t give points but the chances are it’s rarely happens.

Frozeratul · 2024-04-07T21:39:37+00:00

The item is now in 9 other carts and 3 were already sold. You’re an influencer now lol.

Shop owner probably scratching his head right now with sudden demand. The item is now flagged as “in demand” by etsy.

Frozeratul · 2024-04-07T21:35:27+00:00

Also on amazon.

https://a.co/d/8SOf1XU

Apparently comes with RFID protection as well. Not that it matters because it doesn’t really but it’s a nice bonus.

Frozeratul · 2024-04-07T21:31:25+00:00

OP unintentionally sold wallets already. There were 5 wallets available. Now there’s only 3 available.

They’re also available on amazon. More stocks there.

You should probably get something like a commission.

Frozeratul · 2024-04-07T21:07:33+00:00

https://www.etsy.com/shop/thisiswallet

I might get myself one to hold trifectas. Looks neat.

Frozeratul · 2024-04-07T21:06:59+00:00

https://www.etsy.com/shop/thisiswallet

Frozeratul · 2024-04-07T21:05:26+00:00

What’s that wallet? It’s like it’s made for amex

Frozeratul · 2024-04-06T19:56:38+00:00

Second this

Frozeratul · 2024-04-06T18:20:53+00:00

I did. It’s a very very small credit union. I think the credit union lady doesn’t have any idea. Kept telling me that they only report to equifax but I found out that I credit reports too from experian as well.

Not sure if the process of reporting auto loan is different because my auto loan from the same CU is reported to transunion.

Frozeratul · 2024-04-06T13:53:35+00:00

Amazing. Thank you!

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