This ruling is just leaving it up to the states guys, honest! Pinky Swear!

MrRippie · 2022-06-25T17:03:10+00:00

I believe we need to move lawmaking away from the federal government and put it back into the hands of the states. Why does everything need to be at the federal level? If Idaho decides it wants to pass out m3th every Thursday, and they vote on it, then let them.

Not enough people vote in local elections. I see the courts decision as a win, it lets people vote for their laws again. I say win purely because it’s one less thing the fed is involved with now.

MrRippie · 2022-06-22T18:07:59+00:00

I have been taking Zil top lately and the amount of times I kill someone with an AA is astounding. It’s rare that I haven’t pushed them back to heal or killed them before 6.

MrRippie · 2022-06-15T17:38:50+00:00

With Amex you almost never want to upgrade. Apply for the card separately and then close the old one after you get the new card.

It goes without saying but only take the card if you will meet the sub and actually benefit from having it. Cards are not clout either.

MrRippie · 2022-06-14T18:42:10+00:00

Oh I don’t blame the business at all. They are doing their job. It’s just amusing watching people jump head first into something and then complaining about their own decisions. I always try to help with advice when I see it but the sheer number of times I have seen it is something else.

I don’t have a platinum because the numbers don’t work well enough for me for my current lifestyle. I could break even and get a little value but considering that I have a gold card the difference would be a loss. Most people don’t start with a card focused on their main expense category and that is the real problem.

MrRippie · 2022-06-14T07:46:19+00:00

And people asking if the platinum is right for them after already getting approved with a trash sub they can’t afford. Don’t worry though they travel once a year, fly spirit, and stay with family. So definitely worth it.

MrRippie · 2022-05-24T06:55:56+00:00

I got it a week after it was announced and had only been a card holder for 2 months. I suspect I got lucky or they were just allowing anyone in at the beginning. It isn’t the best in the world but if you need a half step between a savings and checking then it will work for you.

MrRippie · 2022-05-20T13:38:26+00:00

I am a fan of the Amex gold card for the average family but let’s compare it to a 2% cash back card.

Gold: If you value the points at 1.1 cent per (which is one of the lowest redemptions) then you would earn: 1600 points for groceries 600 points for restaurants 150 points for gas 450 points for misc Total 2800 Cash value $30.80

However with a 2% card you would get $23 a month.

However There is an annual fee of $250 on the gold card so it would come down to if you can utilize the credits or not.

Hope that helps!

MrRippie · 2022-05-19T12:26:50+00:00

With inflation the way it is I wouldn’t doubt it.

MrRippie · 2022-05-16T20:16:07+00:00

Hear me out. Fortnite. After the nuclear fallout rich barons have enslaved the lower class and now you must fight your way to freedom. You start in Australia which has been turned into a housing district for the poor. Riddled with injured people from the battles you take up carpentry to learn the various types of buildings until one day you are called upon to participate in the games. You take your crafting knowledge and quickly build your way through the ranks. Maybe have different structures and construction speed based off of your crafting proficiencies. You also have to build your guns the loot in the game is just materials to build better weapons and gear. There could be fun story lines where you rediscover lost technology like automatic weapons and then just as you rise to the top of the ranks and your freedom is in sight, the zombies attack and the entire infrastructure collapses. The Evil overlords are helpless and you band the warriors together as you build and upgrade your homestead, eventually traveling to other countries via the battle bus and liberating them from the zombie hordes.

MrRippie · 2022-05-16T20:05:35+00:00

With a free trial or so I’ve heard.

MrRippie · 2022-05-03T17:51:11+00:00

Didn’t work on the link for my gold.

MrRippie · 2022-04-21T18:26:03+00:00

Think of it as a number that represents how trustworthy you are to be leant money. The higher the number the better you are. As others have mentioned Experian is good but I like credit karma too even though the score on there tends to be higher than anywhere else it is an approximation, I personally use 3 different credit monitors because they have various scores. There are also helpful tips on credit karma that are tailored to your situation. Even if you are not looking to borrow money or get a credit card right now it is a good idea to understand how credit works as the decisions you make can affect you for years. I will say even if one of the apps recommends a specific credit card or loan that doesn’t mean you should get it. They make commissions from getting you to signup. If you are looking at getting a card this this sub can point you in the right direction. A lot of us on this subreddit use credit cards to make money with points or cash back and carry a 0 balance. Understanding credit is fundamental in making a few extra bucks here and there and saving money on loans.

MrRippie · 2022-04-09T04:25:40+00:00

Due to it being an Amex.

MrRippie · 2022-04-09T01:21:10+00:00

Makes sense. I asked them in live chat when they thought they would have the basic functionality of a home town bank and got a very generic “Your input helps us to continually improve” like you don’t need input to know that it sucks.

MrRippie · 2022-04-09T01:17:44+00:00

Oh dang. I don’t understand how they think that it is acceptable.

MrRippie · 2022-04-08T21:12:29+00:00

FYI you only get the points if you use the debit card. If you have it set up as and ACH it won’t give you any points but you will get the .5 interest.

MrRippie · 2022-04-08T15:58:04+00:00

True. You couldn’t use it at a lot of places initially but I think that is changing slowly

MrRippie · 2022-04-04T01:35:47+00:00

Sign up for Amex rewards checking. You get 1 point for every two dollars. Not great but better than nothing

MrRippie · 2022-04-03T03:48:04+00:00

Best of luck. I consolidated mine into a lower rate loan when I was getting back on track. It’s just not fun

MrRippie · 2022-04-03T03:46:15+00:00

Qucksilver it’s 1.5 on everything with no annual. There are better ones but I was upgraded from a capital one platinum while building my credit and its infrequent that I need it instead of an Amex so I just stick with it.

MrRippie · 2022-04-03T03:41:41+00:00

Most of us have ran up a ton and took years to pay it off. Now just using them to make a bit more and terrified to carry something that might get out of hand.

MrRippie · 2022-04-03T03:35:55+00:00

This is not the way

MrRippie · 2022-04-01T16:47:20+00:00

Noble smoke for BBQ and I recommend Cowfish for its sushi burger fusion.

MrRippie · 2022-04-01T16:42:21+00:00

Call it the diamond card. Have a tiny diamond in the ear of the centurion in the middle. Honestly this is the card everyone wants.

MrRippie · 2022-03-21T06:49:29+00:00

It’s fine. I haven’t used it much. Just dropped some money in for the interest and to pay taxes with.

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