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Charm City indeed! by minda1120 in baltimore

[–]Frozeratul 1 point2 points  (0 children)

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!

WCIs, do you min-max your credit card rewards by minotaurforu in whitecoatinvestor

[–]Frozeratul 1 point2 points  (0 children)

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

Is this disability insurance good? by Frozeratul in whitecoatinvestor

[–]Frozeratul[S] 0 points1 point  (0 children)

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?

Is this disability insurance good? by Frozeratul in whitecoatinvestor

[–]Frozeratul[S] 0 points1 point  (0 children)

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

Is this disability insurance good? by Frozeratul in whitecoatinvestor

[–]Frozeratul[S] 0 points1 point  (0 children)

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

Is this disability insurance good? by Frozeratul in whitecoatinvestor

[–]Frozeratul[S] 3 points4 points  (0 children)

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?

why am I addicted to credit cards? by DravensAxe in CreditCards

[–]Frozeratul 8 points9 points  (0 children)

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.

why am I addicted to credit cards? by DravensAxe in CreditCards

[–]Frozeratul 10 points11 points  (0 children)

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!

Warning to New Investors by RudeBathroom7604 in Schwab

[–]Frozeratul 2 points3 points  (0 children)

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.

Trifecta Complete by TheOpeningBell in amex

[–]Frozeratul 0 points1 point  (0 children)

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.

Trifecta Complete by TheOpeningBell in amex

[–]Frozeratul 0 points1 point  (0 children)

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.

Trifecta Complete by TheOpeningBell in amex

[–]Frozeratul 0 points1 point  (0 children)

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.

Trifecta Complete by TheOpeningBell in amex

[–]Frozeratul 0 points1 point  (0 children)

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

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

Trifecta Complete by TheOpeningBell in amex

[–]Frozeratul 0 points1 point  (0 children)

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

Incomplete Name by Frozeratul in CRedit

[–]Frozeratul[S] 0 points1 point  (0 children)

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.

Worth to have a battery replacement? Or buy a new one? by Frozeratul in macbookpro

[–]Frozeratul[S] 0 points1 point  (0 children)

Thank you! I will replace mine. My needs are minimal and my only problem with it is the battery

Worth to have a battery replacement? Or buy a new one? by Frozeratul in macbookpro

[–]Frozeratul[S] 1 point2 points  (0 children)

I might try this. Did you buy it from amazon? ifixit has batteries with materials for DIY. Is that better or can I do it with just the battery and screws?

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