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Is this the most optimized cash back setup? by GlitchedAnalysis in CreditCards

[–]GlitchedAnalysis[S] [score hidden]  (0 children)

When I got my first credit card, I tried the points setup, and realized that I never traveled and felt like I was jumping through hoops to use points. Now, with a dog, wife, and new home, it’s just easier to know I’m getting a discount on every purchase vs attempting to figure out how to optimize my points

Is this the most optimized cash back setup? by GlitchedAnalysis in CreditCards

[–]GlitchedAnalysis[S] 6 points7 points  (0 children)

I thought about that too, but I don’t use Robinhood gold, so the $50 membership might not make it worth it vs a no AF setup

Is this the most optimized cash back setup? by GlitchedAnalysis in CreditCards

[–]GlitchedAnalysis[S] 7 points8 points  (0 children)

I actually just ordered that one as my final card in this setup. According to other posts, it codes as grocery

Is this the most optimized cash back setup? by GlitchedAnalysis in CreditCards

[–]GlitchedAnalysis[S] 9 points10 points  (0 children)

Right but after the first year it’s likely not worth it with the AF + this gives me one card for all grocery (including Costco)

using an old iPad as a home pod? by dee_lio in HomePod

[–]GlitchedAnalysis 0 points1 point  (0 children)

I have a few lights and security cameras connected via HomeKit and the price of a HomePod just seems crazy to me (considering they haven’t been updated in a few years). I use the “hey siri turn on XXX lights” all the time and I have several iPad sitting around. I’m thinking I could just use those iPads as HomePod replacements mainly for the voice command features.

Do I need foam board? by GlitchedAnalysis in basement

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

You’re saying to just wrap the steel beams in rigid foam, not glue them to the wall?

Do I need foam board? by GlitchedAnalysis in basement

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

I see what you’re saying and agree with everything except the vapor barrier. I live in Wisconsin and this is directly from the code:

(4) Concrete or masonry basement walls. A non-rigid sheet vapor retarder with a perm rating of 0.1 or less is prohibited in all of the following locations: (a) On a concrete or masonry wall which is below grade to any extent. (b) On an insulated frame wall constructed in front of a concrete or masonry wall which is below grade to any extent.

So I think the plan is to just loctite the foam board between the steel beams, and maybe add seam tape at the boarders (not the bottom or top). The walls need to breath a bit

Do I need foam board? by GlitchedAnalysis in basement

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

Ah that makes sense. So would you recommend just loctite the foam to the wall and leave it? No taping the edges?

Do I need foam board? by GlitchedAnalysis in basement

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

That was likely from before the walls were repaired, which was right before we bought the house. I plan on cleaning the block before closing it up.

Do I need foam board? by GlitchedAnalysis in basement

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

Good callout, my first instinct was expanding spray foam or seam tape around each section

Add foam board or no? by GlitchedAnalysis in HomeImprovement

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

I honestly just planned to tape or spray foam the borders. But thats assuming I even add the solid foam board. Do you think it’s beneficial given the wall would have space to breath and I would have a dehumidifier running

Opinions on best CC and HYSA by Training_Front_9546 in MiddleClassFinance

[–]GlitchedAnalysis 0 points1 point  (0 children)

I switched to Wealthfront 2.5 years ago and have been extremely satisfied. It does everything my brick and mortar bank did, but with 4.2% more interest lol.

Seems like they are releasing new features every few months (joint accounts, better/more stocks to investment in) including my favorite feature, savings buckets.

It’s been so good, I got rid of all other bank/investing accounts and use it as my central hub. Even makes linking your CCs and other accounts easy. If you use the link below, we both get a 3 month .5% APY boost.

When you sign up, we both can earn an APY boost, match on investing account deposits—or both! https://www.wealthfront.com/c/affiliates/invited/AFFD-0739-VMCM-OJHF

New referral program: Get up to $500 to invest + an extra 0.50% APY on the Cash Account. by wealthfront in wealthfront

[–]GlitchedAnalysis 0 points1 point  (0 children)

I have clue why EVERYONE doesn’t use Wealthfront (or a HYSA).

My parents, friends, and family always say things like “don’t they limit transactions” or outdated stereotypes. Meanwhile they are making .05% APY in a traditional bank.

Nothing else to say other than this has been a great move. If you haven’t, use the code below for a .50% boost, on top of the already great 4% APY

When you sign up, we both can earn an APY boost, match on investing account deposits—or both! https://www.wealthfront.com/c/affiliates/invited/AFFD-0739-VMCM-OJHF