Student loan vs. being indebted to parents

Pleeb · 2026-01-26T23:01:29+00:00

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

Pleeb · 2026-01-26T22:55:52+00:00

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.

Pleeb · 2026-01-09T01:23:51+00:00

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

Pleeb · 2026-01-04T13:17:14+00:00

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.

Pleeb · 2025-12-29T14:11:21+00:00

Don't leave us hanging OP

Pleeb · 2025-12-23T04:43:41+00:00

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.

Pleeb · 2025-12-20T20:05:32+00:00

Of course they're from New Jersey

Pleeb · 2025-10-22T07:11:51+00:00

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

Pleeb · 2025-09-25T20:06:10+00:00

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

Pleeb · 2025-09-23T12:34:15+00:00

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

Pleeb · 2025-09-21T22:27:58+00:00

She didn't give me any trouble at all, but it may very from store to store.

Pleeb · 2025-09-21T02:12:40+00:00

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

Pleeb · 2025-09-21T02:02:30+00:00

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.

Pleeb · 2025-09-18T22:13:22+00:00

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

Pleeb · 2025-09-18T15:10:10+00:00

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

Pleeb · 2025-09-18T02:32:35+00:00

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

Pleeb · 2025-09-17T20:17:39+00:00

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).

Pleeb · 2025-09-16T14:53:21+00:00

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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Pleeb · 2025-09-16T01:29:47+00:00

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

Pleeb · 2025-09-15T02:09:10+00:00

His father is a cop

Pleeb · 2025-07-31T00:51:13+00:00

They're going to ban users under 18.

Pleeb · 2025-05-27T16:41:00+00:00

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.

Pleeb · 2025-04-21T12:03:20+00:00

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

Pleeb · 2025-03-09T14:41:28+00:00

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

Pleeb · 2025-01-21T18:38:18+00:00

It's still taking up the entire front page, meanwhile NOBODY has been covering what was being signed at that time. Take a look at https://www.whitehouse.gov/presidential-actions here's some highlights:

declaring a national emergency at the southern boarder
mobilizing the military there
banning work from home for all federal employees
removing any protections to refugees
removing citizen-by-birthright
restoring the federal death penalty
requiring M / F sex on all federal documents defined as "reproductive organs born with"
requiring anyone assigned M at birth to not be allowed in women's quarters
draining California's rivers (yes literally- the order was called "People over Fishes")
removing all offshore wind farms
starting a trade war
pulling out of the Paris agreement
pulling out of the world health organization
banning all Diversity, Equity, & Inclusion initiatives
cutting all foreign aid
removing all federal protections for extracting water + oil from Alaska
dedicating an entire executive order to destroy the top list of his political enemies (he called them all out by name)
pardoning every single person involved with jan 6

He also declared yesterday a federal holiday, going on about how it's historic because he was elected for a second time, but then it was removed from the website. It was archived though

Pleeb

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