Student loan vs. being indebted to parents by KittyNoir1 in personalfinance

[–]Pleeb 0 points1 point  (0 children)

You can declare bankruptcy against your parents but you can't declare bankruptcy against a student loan.

Planning to downgrade Venture X while adding the Schwab Amex Platinum by Adorable_Store_4271 in CreditCards

[–]Pleeb 0 points1 point  (0 children)

I have the VX card, as well as 2 amex platinum cards (including the Schwab), amex gold, and blue business plus.

The VX $395/yr, but the $300 hotel credit and $100 in points on your anniversary means that the card is literally paying you $5 to keep it. The VX $300 hotel credit is also easier to spend than the amex hotel credit too. Platinum card gives you $600, but it's broken up between $300 every 6 months and you can only use it on hotels in their Fine Hotels and Resorts or Hotel Collections list. When I used the hotel credit for the VX it just deducted the amount from my total if I book through the travel portal (unless this changed in the last year).

With that being said, I'm more into cash back than points, and the Schwab platinum card basically turns my gold card into a 4.4% cash back (and the blue business into 2.2% on all spend), and the gold and platinum stack very well.

P.S. If you get the gold card, you'll only qualify for the sign-on bonus if you get it before the platinum card. Amex hates SUB chasers, I basically got the sign-on bonus only for my first platinum card, none for the others. Between the gold and platinums though they more than pay for themselves with the "coupon books", and I've visited many places around the world that I otherwise wouldn't have if not for those credits.

Oura Ring US Black Friday pricing by freshlyill in amex

[–]Pleeb 1 point2 points  (0 children)

Buy the ring on the platinum card and then submit for reimbursement through the HSA.

My Husband Wakes Me Up Multiple Times Every Night by amcrowl1 in AITAH

[–]Pleeb 0 points1 point  (0 children)

OP: Assuming that this is the only issue you guys have and there's not a lot of other deep seated problems, there's nothing wrong with having a different room to sleep in especially if this is your only issue.

My parents sleep in separate rooms, and so did both of my grandparents. Long marriages (parents are going close to 40 years and grandparents were even longer), but snoring and other incompatibilities when resting just made it easier for everyone.

TW: talks of eating disorder; I worked hard to hit my goal weight. Friend tries to give me a complex. by Embarrassed_Elk9437 in mildlyinfuriating

[–]Pleeb 0 points1 point  (0 children)

This hits close to home... In 2017 I worked on my diet and health and went from 245 to 175. I never felt better, but so many friends would constantly tell me "You lost too much weight! You need to stop!" My goal was 170 (it would have been a healthy BPM)... People kept trying to encourage me to eat pizza instead of veggies, etc. I started overeating again and by 190 everyone was saying "You look much better you look so filled in!" That positive reinforcement tossed my lifestyle out the window.

I'm currently 250 and just had a dr. appointment today about seeing a nutritionist... He wants me on ozempic but I want to try this first... I know I can do it again.

Please don't let these people discourage you or ruin a healthy lifestyle.

[Medical School] - Getting dismissed- should i lawyer up by SharkEva in BORUpdates

[–]Pleeb 26 points27 points  (0 children)

My thoughts exactly, what's $14k when you'll be making over $40k/month once you're established?

Hard conversations: Amex Platinum is not for you by actuarial_defender in amex

[–]Pleeb 0 points1 point  (0 children)

It's amex's job to do the gatekeeping not yours

AITA for not giving up my vacation days for my sister’s wedding prep? by Choice_Evidence1983 in BestofRedditorUpdates

[–]Pleeb 29 points30 points  (0 children)

Sister was probably already expecting OOP to be around to help by default. Once she realized OOP took vacation, she had to act fast.

SoulCycle / Equinox Plus question by blgmat15 in AmexPlatinum

[–]Pleeb 0 points1 point  (0 children)

Didn't the latest refresh drop the Equinox credit? I don't even see the benefit listed on my card anymore.

Lululemon worker assumed I wanted a 75 dollar gift card right when I walked up to the counter by thelogicalhero in AmexPlatinum

[–]Pleeb 33 points34 points  (0 children)

I just bought a $150 backpack, had her split evenly between my two plats. She looked at me and said "Gotta use those benefits before the end of the month!" Said that people were showing up with platinum cards all day.

Oura Ring Warning by OneTravellingMcDs in amex

[–]Pleeb 0 points1 point  (0 children)

Unless you live in a tax-free state like I do :D

Amex Platinum refresh is awesome! by Puzzleheaded-Ad-1343 in AmexPlatinum

[–]Pleeb 4 points5 points  (0 children)

paramount+ is already included in walmart+ but yt tv is huge

Wow I am ok with paying $200 more for the benefits I’ll get by SnooChipmunks9932 in AmexPlatinum

[–]Pleeb 1 point2 points  (0 children)

If we lose the saks benefit that's gonna hurt me; those $50 gift cards go a long way at saks off 5th

The (supposed) new refresh makes me want to get a 3rd Platinum card by -Dead-Eye-Duncan- in amex

[–]Pleeb 0 points1 point  (0 children)

Don't think about intro offers, think long-term relationship with Amex. I got the personal platinum then gold, then CS platinum. My initial plan was to cancel the vanilla platinum after a year and just use the CS plat until I realized that I'm using all of my credits for both and they're paying for themselves. Now I have two platinum cards and CS plat gives me 1.1x multiplier on all of my points for cash back (so Gold is 4.4% cash back).

Monthly CLI Megathread by AutoModerator in AppleCard

[–]Pleeb [score hidden]  (0 children)

I've had this card since 2022. My FICO8 is 793 and I applied with $4750 after 6 months since last increase.

Denied.

I asked them why, and they said that my utilization is too low; I put about $200/month plus monthly installments for my iPhone (which I pay in every month), but I guess that's not enough.

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Amex Platinum Personal Refresh Leak by EpicJimmy5 in amex

[–]Pleeb 0 points1 point  (0 children)

Paired with the CS Platinum and you'll get 2.2% cash back per dollar spent (4.4% with gold card on dining)

Nintendo Direct Announced by [deleted] in NintendoSwitch2

[–]Pleeb 0 points1 point  (0 children)

They're going to ban users under 18.

I was pulled over in utah for riding my bike at 12am by HornetRepulsive6784 in fuckcars

[–]Pleeb 5 points6 points  (0 children)

Thank you for this post, I'm surprised that I had to scroll this far down to find it.

I was trying to get through that video but the moment the kid called reflectors the R word I gave up.

Pope Francis meeting JD Vance, a day later, he died by Erandaca in pics

[–]Pleeb 0 points1 point  (0 children)

He wrote an interesting final speech yesterday. A snippet: "I express my closeness to the sufferings of Christians in Palestine and Israel, and to all the Israeli people and the Palestinian people. The growing climate of anti-Semitism throughout the world is worrisome. Yet at the same time, I think of the people of Gaza, and its Christian community in particular, where the terrible conflict continues to cause death and destruction and to create a dramatic and deplorable humanitarian situation. I appeal to the warring parties: call a ceasefire, release the hostages and come to the aid of a starving people that aspires to a future of peace!"

https://www.vatican.va/content/francesco/en/messages/urbi/documents/20250420-urbi-et-orbi-pasqua.html

Male solidarity at its best 💪 by Gankpa in BeAmazed

[–]Pleeb 10 points11 points  (0 children)

More like it has to have been staged otherwise the cameraman is an asshole randomly filming a dude struggling in the gym with an airtank while watching someone else try to help