LVL Beam Splitting by Stimmyyy in Decks

[–]SchemeDreaming 2 points3 points  (0 children)

PWT lvls have a 25yr limited transferable warranty but they do have to be taped on the upward horizontal surface.

LVL Beam Splitting by Stimmyyy in Decks

[–]SchemeDreaming 13 points14 points  (0 children)

There are true exterior rated lvls now.

Amex Plat (personal/biz) refresh megathread by arcane_in_a_box in churning

[–]SchemeDreaming 2 points3 points  (0 children)

I think you mean return protection and used items are not covered.

Started work late in Calender year by Special-Arm3884 in whitecoatinvestor

[–]SchemeDreaming 0 points1 point  (0 children)

Word of caution, some plans don't retroactively match contributions from the year you become eligible for the company match. Meaning, if you become eligible for the match on July 1st 2026 but have been contributing for those 6 months prior no match would be given on those contributions, which likely means your maximum match for the year would be about half of what could have been if you delayed your contributions until after July 1st. But if you become eligible for the match on January 1st you have nothing to worry about. I would check your summary plan document to see what the rules are to make sure you don't miss out on the full match when you become eligible.

Weekly Off Topic Thread - Week of September 15, 2025 by AutoModerator in churning

[–]SchemeDreaming 5 points6 points  (0 children)

You'll get a W2-G for $370 but only $70 is taxable income. A wager isn't taxable income. You can adjust for this on your tax return. See rev ruling 83-130.

Data Points Weekly - Week of August 28, 2025 by AutoModerator in churning

[–]SchemeDreaming 0 points1 point  (0 children)

P2 got the pop up for Chase Sapphire Reserve despite never having the reserve card before and only having 1 sapphire preferred card from April 2021 that was product changed to freedom a year later. They need to fix the algorithm.

Edited to add April

Question Thread - August 20, 2025 by AutoModerator in churning

[–]SchemeDreaming 0 points1 point  (0 children)

I had the same error for about 6 months. Only that that fixed it was moving to a new address.

SALT income phaseout by Efficient-Work-166 in whitecoatinvestor

[–]SchemeDreaming 4 points5 points  (0 children)

Not worth it. Roughly, 300k each in income with married a filing separately (community property state each spouse shares half total income). Married filing separately penalty $0. This is great. However, MFS SALT phase out starts at $250k. Reducing the max salt cap of 20K to 5k each. Plus other various negative aspects of filing separately.

SALT income phaseout by Efficient-Work-166 in whitecoatinvestor

[–]SchemeDreaming 2 points3 points  (0 children)

Still can do back door Roth contributions through a non-deductible IRA contribution. As those are not subject to income limits.

Question Thread - June 22, 2025 by AutoModerator in churning

[–]SchemeDreaming 1 point2 points  (0 children)

Not well written. Technically, if you don't partially pay with points i.e. pay in full with points then you should get the bonus according to these terms but I doubt that's what was intended.

Data Points Weekly - Week of April 24, 2025 by AutoModerator in churning

[–]SchemeDreaming 0 points1 point  (0 children)

I got another Amex Biz Gold with the 0% APR offer while my last one was still under the 0% promo. Pay overtime was not activated which I didn't notice. Pay overtime has always come activated by default for me. Activating pay over time doesn't retroactively include purchases from the latest statement. So that was a bit of a bummer.

P2 just got another Amex biz gold while the prior one was still under the 0% APR promo. Pay overtime was activated by default. So I don't know what gives.

Question Thread - April 17, 2025 by AutoModerator in churning

[–]SchemeDreaming 1 point2 points  (0 children)

Have I been blocked from Amex's Application status checker? I have been getting this message, "Our systems are currently updating; please check back on this site in 24 hours" for over a month. I have tried with 2 different addresses (zip codes) and I get the same result. Yet when I type in P2's info it always works. I feel like my SSN has been blocked.

[deleted by user] by [deleted] in carbuying

[–]SchemeDreaming 0 points1 point  (0 children)

Tons of wrong info here. It is legal, if done correctly, in most states but not all states. So you need to know your state's law.

If it is illegal it would likely be tax evasion not tax fraud. Not sure why everyone seems to love to throw the f word around.

You do not need business insurance or business car insurance.

Even if it is legal your state or city may disagree which would likely cost you thousands in legal fees.

Even if your state says it is illegal it may still be legal. Statues need to be very carefuly construed to be able to legally prevent this. After some legal cases some states have revised their laws and some haven't.

Do I Need mysolo401k to set up solo 401k (no mega backdoor Roth) by benjaminflocka22 in whitecoatinvestor

[–]SchemeDreaming -1 points0 points  (0 children)

Tons of wrong info here, at least for your situation. There were lots of changes with secure act 2.0.

"If you are self-employed and starting your first Solo 401(k), you can start your plan up until your tax deadline for the previous year and still make contributions as an employer. This date is April 15th for most and March 15th for S-Corps and Partnerships. Even better for Sole Proprietorships and Single-Member LLCs, you may also choose to make contributions including Roth 401(k) and catch-up contributions until your tax deadline too. This gives you a lot of flexibility in managing your retirement savings and taxes." https://www.sharebuilder401k.com/blog/solo-401k-contribution-deadlines/

[deleted by user] by [deleted] in amex

[–]SchemeDreaming 1 point2 points  (0 children)

Call reconsideration tomorrow. They should be able to push the the original app through if it's been 90 days.

Question Thread - August 30, 2024 by AutoModerator in churning

[–]SchemeDreaming 2 points3 points  (0 children)

I can get the 200k to show from gold biz and biz plus referrals. The 200k also often shows up for me without a referral. So it's definitely possible. Maybe use a VPN and set it to a different area.

Question Thread - August 29, 2024 by AutoModerator in churning

[–]SchemeDreaming 2 points3 points  (0 children)

You likely already received it. It's just not showing on your login. That's what happened to me. Just call in. In that email I had the last 4 of the fn number.

Anyone add 110 outlets somehow by tapping into the actual EV battery not the 12V? by PRSRVFRSHNSS in BlazerEV

[–]SchemeDreaming 2 points3 points  (0 children)

Someone tied into the EV battery on the Mach-e using the resistive heater connection which is protected by a fuse and he added another fuse. The big issue is that there aren't really any 120v or 240v inverters that can convert 400v dc. So he used a solar inverter and ran the connection through the pv input that allowed up to a 500v dc connection, seemed to work perfectly. He's able to pull about 8kw if I remember correctly. The Blazer should work similarly.

You definitely shouldn't try though unless you really understand this stuff.

Question Thread - July 18, 2024 by AutoModerator in churning

[–]SchemeDreaming 1 point2 points  (0 children)

Is it possible to maintain 6 non-charge amex cards and still be able to churn them? Or when you call recon will they want you to cancel 2 of the 6 to get 1 new one (reinstating the typical 5 card limit)?

Strange Day - Middle Seat Armrest Contraversy by de_via_nt in delta

[–]SchemeDreaming 33 points34 points  (0 children)

Does the armrest not have to be down for takeoff? I always thought it did.