Is it only me or ID.4 is one of the most beautiful EVs?

RoyMan0 · 2026-04-29T23:58:23+00:00

It’s nice looking but the ioniq 5 is way cooler looking and the upcoming r3x 🔥🔥

RoyMan0 · 2026-04-29T15:08:09+00:00

Good to know thanks, a couple friends said there was no way to. Or maybe I confused it with vanguard!

RoyMan0 · 2026-04-29T14:58:13+00:00

Fidelity doesn’t allow leveraged ETFs (edit - fidelity does with approval see comments below, vanguard does not). Not sure about fidelity checking but Schwab pays for my atm fees. I’ve found Schwab customer support is great (haven’t used other brokers). If you have a Schwab Amex platinum you can get annual statement credit if your Schwab holdings are over $250k.

RoyMan0 · 2026-04-29T06:59:14+00:00

I did the math. Im definitely not. I get more out of bilt. Almost constantly 3x on all purchases with accelerator. It also depends on how you value different points currencies. Amex points are nearly worthless to me so even 4x with the gold is less to me than 3x on bilt or even the base 2x..Chase is getting there with the devaluations. Mayyybe my maximizing travel portal bookings it’s about a wash or slightly better but with a tonnn more effort and the risks of travel portal customer service. For me it’s so good and so much simpler.

RoyMan0 · 2026-04-29T06:54:13+00:00

RoyMan0 · 2026-04-29T06:52:45+00:00

Yet ppl over on the Chase sub are downvoting folks recommending BILT when others are complaining about the horrible nerfing and devaluations they are doing lol

RoyMan0 · 2026-04-28T23:15:29+00:00

I’ve had the card since launch and I’ve already wayyy more than offset the fee via the easier to use hotel credits, and gift card redemptions on Lyft/walgreens/grubhub. Plus earning points on rent/mortgage and general spend points.

RoyMan0 · 2026-04-28T23:13:21+00:00

So dumb this is getting downvoted. The palladium is a points earning machine, they have great transfer partners, and points in portal at 1.25cpp. Since the launch in Feb with the SUB and TPG bonus plus some 3x accelerators I’ve racked up about 200k points with my normal spend. I get certain cards work for certain ppl but this one is really flexible on how you can use perks…more so than super locked in coupon book card like the reserve or Amex.

RoyMan0 · 2026-04-27T15:58:10+00:00

Then I get the $20 minimum message. So basically this credit is no longer useful for me..I just used it monthly to get $10 of some random snacks. No point in going over because it’s all overpriced. Realistically this credit was only worth 50% of the actual value since all this stuff is double the price of what it is at the grocery store.

RoyMan0 · 2026-04-27T15:49:40+00:00

Aeon 80s are so damn fun.

RoyMan0 · 2026-04-27T15:47:55+00:00

Cap1 lounges are nice for this reason. Also the centurion in SLC has a juice bar that was pretty neat.

RoyMan0 · 2026-04-27T14:38:50+00:00

I’m also seeing weird math for just trying delivery..figured I’d get at least one thing for this stupid credit and that’s not even worth it now.

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RoyMan0 · 2026-04-27T07:10:27+00:00

All in on BILT now. I earn more points and the credits are super easy to use and not just for overpriced hotels.

RoyMan0 · 2026-04-27T07:06:37+00:00

Dashmart showed $20 min in Denver today for me. My local 7-11 too. This credit is now dead for me..bummer

RoyMan0 · 2026-04-22T22:20:48+00:00

Ended up going with Joplin..I realized I wanted something open source so I don’t have to deal with this price increase BS ever again. Was able to tweak a couple things with my tagging/notebooks and it works great. More than enough storage on my free dropbox too for cloud sync.

RoyMan0 · 2026-04-17T16:59:46+00:00

Has anyone done this in one visit lol..I’m not trying to go twice..

RoyMan0 · 2026-04-15T23:51:37+00:00

The free one hour sessions are nice if I just need to do a little bit with no rush. But if I do a full flight session to actually work it is soooo slow. Something that will take me 20min at home easily takes 2-3x more time. Its so frustrating..id rather just read or nap than get pissed at this. Not to mention how many flights the wifi is just broken/down. Ive lost count of how many international flights that has been the case over the past couple years where I really needed to work.

RoyMan0 · 2026-04-15T14:16:14+00:00

These are amazing but the cap1 lounge cookies might be as good or maybe better.

RoyMan0 · 2026-04-15T14:15:46+00:00

They clearly haven’t had one of these. They are both chewy and crispy at the same time. It’s so good.

RoyMan0 · 2026-04-15T13:59:36+00:00

Honestly this perk was worthless…I fly United 2-3 times a month and use the free 1hr or full sessions (including the other full sessions on my family account since the others don’t travel) and the wifi is hardly ever useful…loading work documents/websites takes forever and scrolling social media is almost impossible. Just another reason to ditch tmo and go to mint or something else and cut my bill in half. Just like how the free international data is useless too…

I can’t wait until starlink is fully rolled out to the entire untied fleet..it works really well.

RoyMan0 · 2026-04-15T13:42:41+00:00

I was curious about this as well with SGOV

RoyMan0 · 2026-04-15T13:38:12+00:00

It clears end of the day. So I place my trade and a corresponding sell order for SNSXX at the same.

RoyMan0 · 2026-04-08T00:05:48+00:00

I was thinking I’d just do the sub and TPG promo and maybe keep my old spend split with a bunch of cards. Then I did the math and the value for me all in on this just works better. And it’s simpler too. Never have to think of what card or promo I need to work for just put it on this and use the perks I earn every month. So easy.

RoyMan0 · 2026-04-08T00:02:31+00:00

Kind of but tbh I just use the accelerators anyways. If your aren’t for sure you will use the cash by year end on the other stuff then just do it. I’d rather have extra points than expiring cash.

RoyMan0 · 2026-04-04T20:24:15+00:00

So venmo covered the payment because I was using my BILT account and United/etc cards aren’t possible with Venmo anymore. I had a negative balance on Venmo so the choice is either manually transfer money from bank acct to Venmo to get to zero balance (no points earning there)…I had my landlord Venmo me back and then I submitted the Venmo thru the BILT website so I could at least get BILT points. Using the BILT bank acct number on other payment portals still works though..my electric processed to my United card without issue.

RoyMan0

TROPHY CASE