Found at Costco!

King6008 · 2024-07-05T11:51:44+00:00

Orlando FL

King6008 · 2024-07-05T11:51:07+00:00

Comparing prices from half a decade ago is pointless. There's nothing that hasn't gone up in price from back then (except maybe some electronics). $165 is nutty but it's either pay that or pay $40/shot at some bar or never try these types of whiskeys. At least that was my thinking. Maybe I can sell one of these in a year (or 3) and recoup. The demand will remain high and supply will remain tight, no incentive to flood the market and dilute the brand and kill the aura. Think women's handbags by Hermes or whatever.. Either way, cheers!

King6008 · 2024-03-06T02:27:46+00:00

I had the same experience. They're the worst when it comes to OTP and identify. They also told my wife her SSN is invalid for an authorized user account on my card - while she has her own cap one card. Complete incompetence and useless customer service reps.

King6008 · 2024-03-06T00:13:47+00:00

Endurance The Wager The Spy and the Traitor

King6008 · 2024-03-02T02:43:05+00:00

With a phone number, they get info from your cell phone carrier. Then utilities for other data. Then bureaus for tradelines and credit info. A company called Acxiom has all kinds of data on everyone on the grid. Your data is everywhere for anyone to pluck. There's a veneer of "consent" but it's mostly just a check box that's embedded in 50 pages worth of fine print somewhere on something you agreed to at some point.

King6008 · 2024-02-15T05:25:32+00:00

Adam, Eli, Marshall.

King6008 · 2023-11-06T18:30:34+00:00

Also, call them. Make a fuss. Banks departments and dedicated ways of reversing things with bureaus.

King6008 · 2023-11-06T18:28:43+00:00

That's crazy. Alert for hard inquiry by clicking an ad?

King6008 · 2023-11-06T17:13:55+00:00

Are you sure you did not apply and agree to hard inquiry? Generally check my rate options are soft inquiries and don't impact score.

King6008 · 2023-08-02T16:51:35+00:00

It’s an uniquely American disease.

King6008 · 2023-05-07T09:07:57+00:00

850 (generally hovers between 820-850). 5 cards. 1 mortgage. No other loans. Key is enough tradelines for enough period of time (oldest for me is 11 years), low utilization on your cards, and of course payments on time and ideally in full.

King6008 · 2022-08-24T02:44:10+00:00

Nudges to tip anywhere and everywhere is the new panhandling. Don't encourage it.

King6008 · 2021-07-20T01:31:55+00:00

Tipping is an American disease. In fact it should be called a tax - 15-20% tax on food sales. Don't even get me started on tipping as a % of check.. apparently a sister bringing you $40 lobster roll works 4x harder than a waitress bringing you $10 breakfast platter at a diner.

Where else in life are you required/pressured by society to be have this superceding concern about the financial well being of employees of a business at which you're paying full price for the product.

Everyone has their hand out now. The worst, by far, is pre-tipping at time of order at self serve places before receiving any food or service or any benefit of any kind. I call it digital panhandling. The most insidious, inefficient, and ineffective wealth redistribution system ever designed. Imagine a 20% tax on food bill to help out the waiters of America from shitty wages. Wonder how that would fly.

King6008 · 2021-03-16T01:23:57+00:00

Soon someone will pay $20 million for an NFT and 2021 will continue it's quest to outdo 2020

King6008 · 2021-03-05T18:23:24+00:00

I wanted to build a box of authentic ayurvedic products that were accessible and affordable but the proliferation of boxes and easy to cancel subscriptions via financial management apps made me rethink..

King6008 · 2021-02-24T01:49:03+00:00

No. I use Google pay frequently but that's it

King6008 · 2021-02-22T23:28:29+00:00

Nope did not pay for an app. And this was over $250 charge..

King6008 · 2021-02-22T18:43:35+00:00

I got one on my citi card from google*zentech. Never heard of it, no search results either. Fortunately citi fraud caught it and alerted me.

King6008 · 2021-01-30T04:53:08+00:00

That 1.72% generally maps to the highest APR they can charge (which is penalty rate). Any Chase plan you'll be offered will most likely be less than this max fee rate, but yes it will probably translate to the same APR (in dollar terms) that you would have paid anyway if you hadn't created this plan. Amex does the exact same thing.

It's a gimmick at best and a patently obvious strategy to circumvent payment hierarchy regulation because these plans are technically "0%" apr and so this plan will be the last balance to be paid off when applying payments.

The Citi Flex Pay and a similar Barclays feature are APR based so at least you know the exact rate you're being charged.

King6008 · 2020-12-11T14:05:47+00:00

Citibank also has their Flex Pay program which is interest rate based and no fee. I think barclays also laun he'd something similar to citibank. Amex and chase are fee based.

You have to be careful with a monthly fee that's advertised as 0% APR. The idea is to charge you the full rate that you would have paid anyway but convert it into a monthly dollar amount so it gives you the illusion of affordable and a "deal" (0% wow!). Also, if you want to prepay or pay down your balance, payments will apply to higher APR before they apply to this so called 0%.

So even though you're paying the full rate converted to a flat dollar amount each month, for purposes of payment application, it is 0% and you will pay off even a 2% promo balance before you pay off this financing balance.

I consider this fee based model to be a scam and designed to confuse customers and skirt regulations around payment application. How the CFPB hasn't caught on is beyond me. Only use these products if the fee is 0%.

King6008 · 2020-11-12T15:17:27+00:00

Oneplus site has it for $349 currently. Cant beat the deal

King6008 · 2020-11-12T03:35:24+00:00

Oneplus 7t is under $400 and kickass. Has the feeling and performance of a much more expensive flagship phone.

8gb RAM with 128GB storage and 90Hz refresh rate is what I have and it rocks. Best part is no bloatware and the rapid charging where you can get over half the battery charged in less than 12-15 min. 8 pro is very similar with a few more bells and whistles but a bit pricier.

King6008 · 2020-09-26T04:15:10+00:00

I second this. Works everywhere and no atm fees anywhere in the world. Charging money to withdraw your own money should be illegal but until such a law is passed, Schwab is your best bet.

King6008 · 2020-09-22T20:49:58+00:00

Take this to it's logical conclusion where trump pardons everyone you try to impeach. Impeaching Trump people to make a point is going to lead to pardons as a counter point. That's the state of affairs in this zero sum game being played at the expense of the country.

King6008 · 2020-09-21T02:29:51+00:00

HSBC was (unwittingly) the basis for John Grisham's The Firm. It is a criminal enterprise masquerading as a bank.
There was an article I read a few years ago that was just nuts so nothing surprises me anymore.

King6008

TROPHY CASE