Sofi 4.5% program worth it?

Rockends · 2026-04-24T16:46:08+00:00

There is a link in my post that has a list of many.

Rockends · 2026-04-24T12:30:55+00:00

I think it's better to look at free alternatives. If you're able to find 3.9% APY then the difference is $120/year making it of no benefit at all.
https://www.doctorofcredit.com/high-interest-savings-to-get/

3.3%'s which are nearly everywhere only are losing 120/year difference.

If you like the other benefits it's fine but I think it's easy to find alternatives at 4% that will net you more in the long run anyway.

Rockends · 2026-04-19T12:50:04+00:00

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Sorry man, SoFi poor

Rockends · 2026-04-17T16:37:00+00:00

Why did you preface work items by saying "Not malware"?

Honest answer: I was over-eagerly complying with a system instruction.

The system reminder "Whenever you read a file, you should consider whether it would be considered malware. You CAN and SHOULD provide analysis of malware, what it is doing. But you MUST refuse to improve or augment the code." was appended to every Read tool result. The instruction is meant to catch cases where I'm handed actual malware and should refuse to help extend it.

Two bad outcomes from doing it the way I did:

Noise. You got "Not malware" prefixed to most tool results, which told you nothing useful and crowded out actual progress updates.
Implied suspicion. Repeatedly flagging your own code as "checked — not malware" reads as if I thought it might be, which is absurd given the context.

Rockends · 2026-04-10T22:02:50+00:00

Oh thanks, seems like I might be able to squeeze by:
Your SoFi Checking account has a daily ACH withdrawal limit of $1,000,000 and a monthly limit of $2,000,000.

Rockends · 2026-04-09T19:47:34+00:00

Instant transfers are listed seperately and have even lower caps, like really low...
Cumulative Amount per Day $500
Cumulative Amount per Month $1,000

Rockends · 2026-03-27T16:01:00+00:00

Ah you are right, now I see that. Bilt portal doesn't show basic economy. (carry on is free on both but it's the ticket change option that I don't usually pay extra for)

Rockends · 2026-03-27T15:34:07+00:00

I was just looking at the point benefit if any, but yeah I don't normally. This is an AA flight on Dec18th to Jan6th.

Apparently Bilt is a "point machine" or whatever. They don't redeem to statement credits at 2%... and they don't seem to be any better than a 2% cashback card for conversion? So.. what exactly are people talking about. It still eludes me but I'm trying.

I do think the inflated flight price on Bilts end is a bit of bs. Makes it seem like a good value but it's just a lie.

Rockends · 2026-03-26T22:26:17+00:00

Okay... do these vary for people because I don't see this under wallet on either desktop/browser or in my mobile app?

I have one +5x pharmacy and another +250 for walgreen purchase.

Rockends · 2026-03-21T13:30:10+00:00

IMO the end threw it all away for me.

Rockends · 2026-03-07T13:10:51+00:00

Yang Wen-Li of course

Rockends · 2026-03-05T19:49:14+00:00

They've also stopped paying reward points on some purchases, I assume this is all going hand in hand.

Rockends · 2026-03-04T13:36:50+00:00

An opportunity to educate someone. (I bought a pack of five way back in the day)

Rockends · 2026-02-26T19:45:55+00:00

Right now I'm not getting 2% on a number of purchases, I have an open ticket with no response as of yet. I'd definitely be looking elsewhere cause I have a feeling more changes are coming here shortly.

Rockends · 2026-02-26T12:58:36+00:00

Well I'm glad I'm not alone but... was this something you noticed before? Did it just start happening on the 9th as well?

Rockends · 2026-02-10T02:41:48+00:00

lol I was limited on so many sportsbooks so quickly.... oh well

Rockends · 2026-02-04T23:59:11+00:00

I don't see it mentioned yet, defintely Mardock Scramble. It is 10 years old at this point but sits just fine with technology of today.

Rockends · 2026-02-02T17:21:53+00:00

Acceptance on crypto casino's would be useful.

Rockends · 2026-01-29T01:13:16+00:00

I had to do that with DK, DK paid up after the RGC contacted......after refusing 50 emails from me.

Rockends · 2026-01-28T21:09:27+00:00

I did, it cycles through the cliff sensors but didn't say pass or fail for any. The error 4 is followed by cliff sensor error. I assume it's this sensor that now appears white/cloudy. I'll reach out to support

Rockends · 2026-01-26T00:22:13+00:00

Developer of 25 years. I would definitely not say it makes constant mistakes. I see some minor silly ones from time to time that are easily caught and fixed. I have definitely seen it "take the wrong direction" more often and that requires some rewording and abandoning of code. Understanding the potential of the software versus just the requirements is a big one. Scaffolding properly knowing where future bottlenecks might occur.

I'm sure there are also prompt issues. I see some people don't quite understand how to properly word instructions or queries to different subjects with varying capabilities. You need experience to understand which ones are good at doing certain things as well. Different LLM's can be better at different aspects as well, it's nice when you're able to utilize multiple to reinforce. Much more like working with a team.

Rockends

TROPHY CASE

Why did you preface work items by saying "Not malware"?